Call reports 2013
SETTLERS BANK — 2013
What SETTLERS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 107,129,000 | 107,780,000 | 110,309,000 | 113,315,000 |
| Total loans | 88,972,000 | 93,176,000 | 93,621,000 | 94,890,000 |
| Allowance for loan losses | 1,271,000 | 1,336,000 | 1,357,000 | 1,380,000 |
| Securities available for sale | 5,339,000 | 4,985,000 | 4,772,000 | 4,667,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,450,000 | 90,344,000 | 92,788,000 | 95,771,000 |
| Interest-bearing deposits | 78,740,000 | 78,024,000 | 78,524,000 | 79,998,000 |
| Noninterest-bearing deposits | 13,710,000 | 12,320,000 | 14,264,000 | 15,773,000 |
| Equity capital | 11,826,000 | 11,943,000 | 12,071,000 | 12,251,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,071,000 | 2,189,000 | 3,317,000 | 4,444,000 |
| Interest expense | 147,000 | 292,000 | 443,000 | 591,000 |
| Net interest income | 924,000 | 1,897,000 | 2,874,000 | 3,853,000 |
| Noninterest income | 100,000 | 226,000 | 324,000 | 414,000 |
| Noninterest expense | 657,000 | 1,295,000 | 1,915,000 | 2,511,000 |
| Provision for loan losses | 17,000 | 49,000 | 70,000 | 88,000 |
| Pretax income | 350,000 | 779,000 | 1,213,000 | 1,668,000 |
| Income tax | 105,000 | 245,000 | 394,000 | 542,000 |
| Net income | 245,000 | 534,000 | 819,000 | 1,126,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,783,000 | 11,956,000 | 12,125,000 | 12,316,000 |
| Total capital | 12,801,000 | 13,029,000 | 13,190,000 | 13,392,000 |
| Risk-weighted assets | 81,177,000 | 85,540,000 | 84,888,000 | 85,790,000 |
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