Call reports 2004
SOLVAY BANK — 2004
What SOLVAY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 431,987,000 | 437,216,000 | 439,221,000 | 438,070,000 |
| Total loans | 300,083,000 | 308,113,000 | 310,007,000 | 312,360,000 |
| Allowance for loan losses | 7,125,000 | 7,289,000 | 6,804,000 | 6,770,000 |
| Securities available for sale | 59,825,000 | 67,596,000 | 65,563,000 | 68,634,000 |
| Securities held to maturity | 26,230,000 | 26,068,000 | 26,120,000 | 26,214,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 391,938,000 | 397,417,000 | 397,986,000 | 396,118,000 |
| Interest-bearing deposits | 330,416,000 | 331,476,000 | 329,110,000 | 327,386,000 |
| Noninterest-bearing deposits | 61,522,000 | 65,941,000 | 68,876,000 | 68,732,000 |
| Equity capital | 37,819,000 | 38,005,000 | 39,270,000 | 39,916,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 5,312,000 | 10,662,000 | 16,134,000 | 21,666,000 |
| Interest expense | 1,421,000 | 2,797,000 | 4,174,000 | 5,646,000 |
| Net interest income | 3,891,000 | 7,865,000 | 11,960,000 | 16,020,000 |
| Noninterest income | 536,000 | 1,156,000 | 1,818,000 | 2,435,000 |
| Noninterest expense | 2,433,000 | 4,971,000 | 7,567,000 | 10,191,000 |
| Provision for loan losses | 255,000 | 510,000 | 765,000 | 925,000 |
| Pretax income | 1,743,000 | 3,545,000 | 5,451,000 | 7,353,000 |
| Income tax | 581,000 | 1,187,000 | 1,851,000 | 2,476,000 |
| Net income | 1,162,000 | 2,358,000 | 3,600,000 | 4,877,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,408,000 | 38,328,000 | 39,299,000 | 40,172,000 |
| Total capital | 40,565,000 | 41,561,000 | 42,559,000 | 43,434,000 |
| Risk-weighted assets | 248,583,000 | 254,605,000 | 257,245,000 | 257,436,000 |