Call reports 2012
SETTLERS BANK — 2012
What SETTLERS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 112,874,000 | 109,540,000 | 108,357,000 | 106,500,000 |
| Total loans | 86,722,000 | 89,890,000 | 90,193,000 | 89,549,000 |
| Allowance for loan losses | 1,215,000 | 1,230,000 | 1,260,000 | 1,285,000 |
| Securities available for sale | 6,075,000 | 6,185,000 | 5,572,000 | 5,408,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,436,000 | 94,093,000 | 92,765,000 | 91,334,000 |
| Interest-bearing deposits | 79,068,000 | 77,157,000 | 76,697,000 | 75,869,000 |
| Noninterest-bearing deposits | 18,368,000 | 16,936,000 | 16,068,000 | 15,465,000 |
| Equity capital | 11,233,000 | 11,380,000 | 11,552,000 | 11,707,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,176,000 | 2,339,000 | 3,510,000 | 4,635,000 |
| Interest expense | 221,000 | 425,000 | 606,000 | 768,000 |
| Net interest income | 955,000 | 1,914,000 | 2,904,000 | 3,867,000 |
| Noninterest income | 123,000 | 229,000 | 318,000 | 430,000 |
| Noninterest expense | 643,000 | 1,255,000 | 1,858,000 | 2,512,000 |
| Provision for loan losses | 24,000 | 88,000 | 135,000 | 163,000 |
| Pretax income | 411,000 | 800,000 | 1,229,000 | 1,625,000 |
| Income tax | 135,000 | 264,000 | 412,000 | 547,000 |
| Net income | 276,000 | 536,000 | 817,000 | 1,078,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,200,000 | 11,344,000 | 11,509,000 | 11,654,000 |
| Total capital | 12,188,000 | 12,371,000 | 12,537,000 | 12,672,000 |
| Risk-weighted assets | 78,846,000 | 81,965,000 | 81,985,000 | 81,185,000 |
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