Call reports 2025
SETTLERS BANK — 2025
What SETTLERS BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 133,619,000 | 132,476,000 | 135,315,000 | 136,917,000 |
| Total loans | 79,971,000 | 85,001,000 | 85,916,000 | 89,413,000 |
| Allowance for loan losses | 1,600,000 | 1,594,000 | 1,594,000 | 1,600,000 |
| Securities available for sale | 27,831,000 | 24,258,000 | 24,726,000 | 25,317,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,754,000 | 110,481,000 | 112,465,000 | 113,667,000 |
| Interest-bearing deposits | 80,542,000 | 79,269,000 | 82,414,000 | 83,774,000 |
| Noninterest-bearing deposits | 31,212,000 | 31,212,000 | 30,051,000 | 29,893,000 |
| Equity capital | 21,303,000 | 21,579,000 | 22,380,000 | 22,615,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,662,000 | 3,478,000 | 5,340,000 | 7,211,000 |
| Interest expense | 246,000 | 523,000 | 817,000 | 1,134,000 |
| Net interest income | 1,416,000 | 2,955,000 | 4,523,000 | 6,077,000 |
| Noninterest income | 85,000 | 171,000 | 693,000 | 787,000 |
| Noninterest expense | 783,000 | 1,566,000 | 2,341,000 | 3,139,000 |
| Provision for loan losses | 0 | 5,000 | 5,000 | 11,000 |
| Pretax income | 718,000 | 1,555,000 | 2,870,000 | 3,712,000 |
| Income tax | 153,000 | 335,000 | 644,000 | 821,000 |
| Net income | 565,000 | 1,220,000 | 2,226,000 | 2,891,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,477,000 | 21,732,000 | 22,337,000 | 22,603,000 |