Call reports 2018
SETTLERS BANK — 2018
What SETTLERS BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 125,729,000 | 123,886,000 | 124,007,000 | 122,763,000 |
| Total loans | 99,776,000 | 98,238,000 | 98,148,000 | 97,339,000 |
| Allowance for loan losses | 1,465,000 | 1,293,000 | 1,370,000 | 1,440,000 |
| Securities available for sale | 5,072,000 | 5,013,000 | 5,421,000 | 5,182,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,839,000 | 106,905,000 | 106,695,000 | 105,374,000 |
| Interest-bearing deposits | 90,887,000 | 87,481,000 | 85,568,000 | 83,530,000 |
| Noninterest-bearing deposits | 17,952,000 | 19,424,000 | 21,127,000 | 21,844,000 |
| Equity capital | 15,345,000 | 15,648,000 | 15,839,000 | 15,912,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,239,000 | 2,543,000 | 3,886,000 | 5,234,000 |
| Interest expense | 95,000 | 193,000 | 305,000 | 430,000 |
| Net interest income | 1,144,000 | 2,350,000 | 3,581,000 | 4,804,000 |
| Noninterest income | 86,000 | 167,000 | 249,000 | 332,000 |
| Noninterest expense | 648,000 | 1,307,000 | 1,974,000 | 2,637,000 |
| Provision for loan losses | 10,000 | 46,000 | 122,000 | 203,000 |
| Pretax income | 572,000 | 1,164,000 | 1,734,000 | 2,296,000 |
| Income tax | 124,000 | 241,000 | 373,000 | 502,000 |
| Net income | 448,000 | 923,000 | 1,361,000 | 1,794,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,435,000 | 15,741,000 | 15,958,000 | 15,992,000 |
| Total capital | 16,487,000 | 16,760,000 | 16,975,000 | 16,997,000 |
| Risk-weighted assets | 83,744,000 | 81,304,000 | 81,028,000 | 79,958,000 |