Call reports 2016
SETTLERS BANK — 2016
What SETTLERS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 121,213,000 | 119,153,000 | 120,122,000 | 120,090,000 |
| Total loans | 103,307,000 | 102,889,000 | 103,935,000 | 103,703,000 |
| Allowance for loan losses | 1,468,000 | 1,471,000 | 1,462,000 | 1,466,000 |
| Securities available for sale | 6,498,000 | 5,960,000 | 5,422,000 | 5,179,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,060,000 | 102,059,000 | 102,834,000 | 102,817,000 |
| Interest-bearing deposits | 87,277,000 | 85,587,000 | 85,724,000 | 85,898,000 |
| Noninterest-bearing deposits | 16,783,000 | 16,472,000 | 17,110,000 | 16,919,000 |
| Equity capital | 13,849,000 | 14,082,000 | 14,320,000 | 14,421,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,200,000 | 2,404,000 | 3,630,000 | 4,844,000 |
| Interest expense | 110,000 | 218,000 | 324,000 | 429,000 |
| Net interest income | 1,090,000 | 2,186,000 | 3,306,000 | 4,415,000 |
| Noninterest income | 72,000 | 163,000 | 251,000 | 325,000 |
| Noninterest expense | 698,000 | 1,321,000 | 1,961,000 | 2,576,000 |
| Provision for loan losses | 5,000 | 7,000 | 14,000 | 19,000 |
| Pretax income | 459,000 | 1,026,000 | 1,587,000 | 2,150,000 |
| Income tax | 156,000 | 351,000 | 535,000 | 722,000 |
| Net income | 303,000 | 675,000 | 1,052,000 | 1,428,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,828,000 | 14,039,000 | 14,257,000 | 14,472,000 |
| Total capital | 14,921,000 | 15,134,000 | 15,351,000 | 15,562,000 |
| Risk-weighted assets | 87,042,000 | 87,196,000 | 87,134,000 | 86,859,000 |