Call reports 2019
SETTLERS BANK — 2019
What SETTLERS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 122,695,000 | 121,623,000 | 126,685,000 | 128,607,000 |
| Total loans | 96,366,000 | 95,396,000 | 95,715,000 | 95,835,000 |
| Allowance for loan losses | 1,460,000 | 1,492,000 | 1,520,000 | 1,544,000 |
| Securities available for sale | 5,456,000 | 6,022,000 | 5,936,000 | 5,920,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,930,000 | 103,748,000 | 108,578,000 | 110,253,000 |
| Interest-bearing deposits | 83,372,000 | 80,539,000 | 79,747,000 | 82,039,000 |
| Noninterest-bearing deposits | 21,558,000 | 23,209,000 | 28,831,000 | 28,214,000 |
| Equity capital | 16,156,000 | 16,445,000 | 16,673,000 | 16,901,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,359,000 | 2,723,000 | 4,096,000 | 5,429,000 |
| Interest expense | 140,000 | 295,000 | 456,000 | 615,000 |
| Net interest income | 1,219,000 | 2,428,000 | 3,640,000 | 4,814,000 |
| Noninterest income | 79,000 | 162,000 | 250,000 | 344,000 |
| Noninterest expense | 726,000 | 1,414,000 | 2,128,000 | 2,846,000 |
| Provision for loan losses | 31,000 | 61,000 | 88,000 | 111,000 |
| Pretax income | 541,000 | 1,115,000 | 1,674,000 | 2,201,000 |
| Income tax | 112,000 | 224,000 | 331,000 | 430,000 |
| Net income | 429,000 | 891,000 | 1,343,000 | 1,771,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,189,000 | 16,419,000 | 16,638,000 | 16,871,000 |
| Total capital | 17,183,000 | 17,401,000 | 17,632,000 | 17,868,000 |
| Risk-weighted assets | 79,072,000 | 78,023,000 | 79,025,000 | 79,208,000 |