Call reports 2017
SETTLERS BANK — 2017
What SETTLERS BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 130,404,000 | 124,319,000 | 123,299,000 | 124,370,000 |
| Total loans | 103,567,000 | 102,442,000 | 103,622,000 | 99,936,000 |
| Allowance for loan losses | 1,477,000 | 1,449,000 | 1,460,000 | 1,440,000 |
| Securities available for sale | 5,395,000 | 5,644,000 | 5,577,000 | 5,188,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,880,000 | 106,994,000 | 106,746,000 | 107,780,000 |
| Interest-bearing deposits | 96,625,000 | 90,585,000 | 88,561,000 | 87,309,000 |
| Noninterest-bearing deposits | 16,255,000 | 16,409,000 | 18,185,000 | 20,471,000 |
| Equity capital | 14,605,000 | 14,796,000 | 15,025,000 | 15,116,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,208,000 | 2,448,000 | 3,707,000 | 4,948,000 |
| Interest expense | 96,000 | 193,000 | 287,000 | 382,000 |
| Net interest income | 1,112,000 | 2,255,000 | 3,420,000 | 4,566,000 |
| Noninterest income | 86,000 | 154,000 | 240,000 | 330,000 |
| Noninterest expense | 700,000 | 1,426,000 | 2,079,000 | 2,744,000 |
| Provision for loan losses | 10,000 | 21,000 | 31,000 | 51,000 |
| Pretax income | 488,000 | 962,000 | 1,550,000 | 2,101,000 |
| Income tax | 165,000 | 314,000 | 507,000 | 762,000 |
| Net income | 323,000 | 648,000 | 1,043,000 | 1,339,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,635,000 | 14,790,000 | 15,020,000 | 15,157,000 |
| Total capital | 15,744,000 | 15,873,000 | 16,095,000 | 16,213,000 |
| Risk-weighted assets | 88,386,000 | 86,241,000 | 85,601,000 | 84,134,000 |