Call reports 2006
SOLVAY BANK — 2006
What SOLVAY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 465,355,000 | 470,073,000 | 472,046,000 | 471,716,000 |
| Total loans | 326,972,000 | 332,397,000 | 331,961,000 | 336,728,000 |
| Allowance for loan losses | 6,999,000 | 7,070,000 | 7,243,000 | 7,177,000 |
| Securities available for sale | 73,598,000 | 81,722,000 | 80,562,000 | 83,526,000 |
| Securities held to maturity | 22,126,000 | 19,862,000 | 21,020,000 | 20,831,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 418,703,000 | 425,311,000 | 425,866,000 | 426,451,000 |
| Interest-bearing deposits | 353,420,000 | 349,933,000 | 353,930,000 | 350,670,000 |
| Noninterest-bearing deposits | 65,283,000 | 75,378,000 | 71,936,000 | 75,781,000 |
| Equity capital | 43,939,000 | 42,453,000 | 41,768,000 | 42,690,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 6,174,000 | 12,806,000 | 19,609,000 | 26,522,000 |
| Interest expense | 2,138,000 | 4,616,000 | 7,177,000 | 9,977,000 |
| Net interest income | 4,036,000 | 8,190,000 | 12,432,000 | 16,545,000 |
| Noninterest income | 716,000 | 1,486,000 | 2,194,000 | 2,859,000 |
| Noninterest expense | 2,784,000 | 5,758,000 | 8,663,000 | 11,530,000 |
| Provision for loan losses | 126,000 | 252,000 | 378,000 | 400,000 |
| Pretax income | 1,842,000 | 3,666,000 | 5,586,000 | 7,477,000 |
| Income tax | 613,000 | 1,215,000 | 1,842,000 | 2,445,000 |
| Net income | 1,229,000 | 2,451,000 | 3,744,000 | 5,032,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,631,000 | 43,246,000 | 42,064,000 | 42,917,000 |
| Total capital | 48,118,000 | 46,768,000 | 45,610,000 | 46,492,000 |
| Risk-weighted assets | 275,424,000 | 278,207,000 | 280,016,000 | 282,375,000 |