Call reports 2015
SETTLERS BANK — 2015
What SETTLERS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 125,691,000 | 125,089,000 | 123,407,000 | 122,732,000 |
| Total loans | 96,504,000 | 99,263,000 | 99,067,000 | 99,764,000 |
| Allowance for loan losses | 1,450,000 | 1,457,000 | 1,391,000 | 1,412,000 |
| Securities available for sale | 5,534,000 | 5,408,000 | 5,986,000 | 6,396,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,350,000 | 108,395,000 | 106,610,000 | 105,831,000 |
| Interest-bearing deposits | 92,552,000 | 90,218,000 | 89,666,000 | 87,801,000 |
| Noninterest-bearing deposits | 15,798,000 | 18,177,000 | 16,944,000 | 18,030,000 |
| Equity capital | 13,054,000 | 13,180,000 | 13,401,000 | 13,623,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,132,000 | 2,290,000 | 3,456,000 | 4,624,000 |
| Interest expense | 129,000 | 257,000 | 377,000 | 489,000 |
| Net interest income | 1,003,000 | 2,033,000 | 3,079,000 | 4,135,000 |
| Noninterest income | 96,000 | 214,000 | 307,000 | 396,000 |
| Noninterest expense | 650,000 | 1,293,000 | 1,915,000 | 2,521,000 |
| Provision for loan losses | 10,000 | 13,000 | 18,000 | 30,000 |
| Pretax income | 439,000 | 941,000 | 1,453,000 | 1,980,000 |
| Income tax | 137,000 | 313,000 | 474,000 | 649,000 |
| Net income | 302,000 | 628,000 | 979,000 | 1,331,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,035,000 | 13,202,000 | 13,392,000 | 13,634,000 |
| Total capital | 14,122,000 | 14,316,000 | 14,462,000 | 14,703,000 |
| Risk-weighted assets | 86,620,000 | 88,808,000 | 85,249,000 | 85,145,000 |