Call reports 2014
SETTLERS BANK — 2014
What SETTLERS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 115,320,000 | 120,955,000 | 120,855,000 | 125,835,000 |
| Total loans | 94,584,000 | 94,516,000 | 96,935,000 | 97,948,000 |
| Allowance for loan losses | 1,400,000 | 1,365,000 | 1,382,000 | 1,412,000 |
| Securities available for sale | 4,640,000 | 4,633,000 | 4,326,000 | 4,474,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,599,000 | 103,348,000 | 104,272,000 | 109,157,000 |
| Interest-bearing deposits | 83,622,000 | 87,564,000 | 88,280,000 | 91,779,000 |
| Noninterest-bearing deposits | 13,977,000 | 15,784,000 | 15,992,000 | 17,378,000 |
| Equity capital | 12,408,000 | 12,581,000 | 12,715,000 | 12,901,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,092,000 | 2,203,000 | 3,338,000 | 4,498,000 |
| Interest expense | 149,000 | 298,000 | 446,000 | 585,000 |
| Net interest income | 943,000 | 1,905,000 | 2,892,000 | 3,913,000 |
| Noninterest income | 94,000 | 193,000 | 292,000 | 386,000 |
| Noninterest expense | 597,000 | 1,207,000 | 1,846,000 | 2,426,000 |
| Provision for loan losses | 16,000 | 29,000 | 43,000 | 56,000 |
| Pretax income | 424,000 | 862,000 | 1,295,000 | 1,817,000 |
| Income tax | 145,000 | 276,000 | 420,000 | 600,000 |
| Net income | 279,000 | 586,000 | 875,000 | 1,217,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,435,000 | 12,581,000 | 12,712,000 | 12,893,000 |
| Total capital | 13,507,000 | 13,651,000 | 13,806,000 | 13,987,000 |
| Risk-weighted assets | 85,428,000 | 85,336,000 | 87,209,000 | 87,207,000 |
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