Call reports 2005
SOLVAY BANK — 2005
What SOLVAY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 427,719,000 | 444,129,000 | 452,219,000 | 452,876,000 |
| Total loans | 313,883,000 | 323,912,000 | 326,308,000 | 327,477,000 |
| Allowance for loan losses | 6,986,000 | 6,908,000 | 6,997,000 | 6,965,000 |
| Securities available for sale | 67,967,000 | 69,927,000 | 73,705,000 | 75,393,000 |
| Securities held to maturity | 24,134,000 | 22,579,000 | 21,813,000 | 22,135,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 384,462,000 | 400,594,000 | 407,770,000 | 407,643,000 |
| Interest-bearing deposits | 322,451,000 | 334,012,000 | 337,277,000 | 332,258,000 |
| Noninterest-bearing deposits | 62,011,000 | 66,582,000 | 70,493,000 | 75,385,000 |
| Equity capital | 40,428,000 | 41,531,000 | 42,725,000 | 43,099,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 5,565,000 | 11,326,000 | 17,325,000 | 23,511,000 |
| Interest expense | 1,553,000 | 3,270,000 | 5,215,000 | 7,285,000 |
| Net interest income | 4,012,000 | 8,056,000 | 12,110,000 | 16,226,000 |
| Noninterest income | 590,000 | 1,198,000 | 1,915,000 | 2,539,000 |
| Noninterest expense | 2,618,000 | 5,295,000 | 8,017,000 | 10,690,000 |
| Provision for loan losses | 162,000 | 324,000 | 486,000 | 575,000 |
| Pretax income | 1,822,000 | 3,635,000 | 5,522,000 | 7,500,000 |
| Income tax | 618,000 | 1,234,000 | 1,863,000 | 2,530,000 |
| Net income | 1,204,000 | 2,401,000 | 3,659,000 | 4,970,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,080,000 | 41,969,000 | 43,309,000 | 43,739,000 |
| Total capital | 44,336,000 | 45,366,000 | 46,760,000 | 47,181,000 |
| Risk-weighted assets | 256,730,000 | 268,229,000 | 272,549,000 | 271,850,000 |