Call reports 2007
SOLVAY BANK — 2007
What SOLVAY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 486,215,000 | 488,753,000 | 499,050,000 | 485,174,000 |
| Total loans | 337,107,000 | 340,266,000 | 349,562,000 | 351,023,000 |
| Allowance for loan losses | 7,157,000 | 7,076,000 | 7,006,000 | 7,063,000 |
| Securities available for sale | 87,592,000 | 101,646,000 | 96,788,000 | 100,307,000 |
| Securities held to maturity | 20,799,000 | 15,250,000 | 14,650,000 | 12,342,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 440,078,000 | 441,375,000 | 449,202,000 | 435,491,000 |
| Interest-bearing deposits | 369,594,000 | 365,801,000 | 365,869,000 | 357,583,000 |
| Noninterest-bearing deposits | 70,484,000 | 75,574,000 | 83,333,000 | 77,908,000 |
| Equity capital | 43,195,000 | 43,711,000 | 45,482,000 | 44,601,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 6,913,000 | 14,172,000 | 21,476,000 | 28,756,000 |
| Interest expense | 2,876,000 | 6,011,000 | 9,070,000 | 12,107,000 |
| Net interest income | 4,037,000 | 8,161,000 | 12,406,000 | 16,649,000 |
| Noninterest income | 698,000 | 1,421,000 | 2,219,000 | 3,091,000 |
| Noninterest expense | 2,830,000 | 5,762,000 | 8,783,000 | 11,993,000 |
| Provision for loan losses | 100,000 | 200,000 | 300,000 | 333,000 |
| Pretax income | 1,823,000 | 3,639,000 | 5,561,000 | 7,444,000 |
| Income tax | 564,000 | 1,112,000 | 1,708,000 | 2,263,000 |
| Net income | 1,259,000 | 2,527,000 | 3,853,000 | 5,181,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,821,000 | 44,731,000 | 45,699,000 | 44,463,000 |
| Total capital | 47,449,000 | 48,394,000 | 49,471,000 | 48,204,000 |
| Risk-weighted assets | 286,721,000 | 289,633,000 | 298,498,000 | 295,943,000 |