Call reports 2002
SOLVAY BANK — 2002
What SOLVAY BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 377,943,000 | 388,152,000 | 401,665,000 | 409,930,000 |
| Total loans | 273,816,000 | 271,992,000 | 268,618,000 | 279,077,000 |
| Allowance for loan losses | 6,513,000 | 6,637,000 | 6,787,000 | 6,881,000 |
| Securities available for sale | 34,861,000 | 38,526,000 | 39,133,000 | 38,906,000 |
| Securities held to maturity | 27,804,000 | 27,255,000 | 24,466,000 | 27,186,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 345,048,000 | 354,641,000 | 367,003,000 | 373,975,000 |
| Interest-bearing deposits | 295,162,000 | 298,454,000 | 314,364,000 | 312,711,000 |
| Noninterest-bearing deposits | 49,886,000 | 56,187,000 | 52,639,000 | 61,264,000 |
| Equity capital | 30,508,000 | 31,706,000 | 32,808,000 | 33,611,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 5,932,000 | 11,776,000 | 17,684,000 | 23,501,000 |
| Interest expense | 2,246,000 | 4,438,000 | 6,605,000 | 8,629,000 |
| Net interest income | 3,686,000 | 7,338,000 | 11,079,000 | 14,872,000 |
| Noninterest income | 481,000 | 979,000 | 1,600,000 | 2,614,000 |
| Noninterest expense | 2,336,000 | 4,674,000 | 7,030,000 | 9,952,000 |
| Provision for loan losses | 255,000 | 510,000 | 765,000 | 1,000,000 |
| Pretax income | 1,602,000 | 3,159,000 | 4,918,000 | 6,575,000 |
| Income tax | 551,000 | 1,086,000 | 1,728,000 | 2,238,000 |
| Net income | 1,051,000 | 2,073,000 | 3,190,000 | 4,337,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,359,000 | 31,183,000 | 32,105,000 | 32,928,000 |
| Total capital | 33,178,000 | 33,980,000 | 34,906,000 | 35,944,000 |
| Risk-weighted assets | 221,857,000 | 220,212,000 | 220,399,000 | 237,522,000 |