Call reports 2009
SOLVAY BANK — 2009
What SOLVAY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 525,605,000 | 537,975,000 | 563,601,000 | 552,767,000 |
| Total loans | 362,421,000 | 364,758,000 | 368,569,000 | 368,003,000 |
| Allowance for loan losses | 6,383,000 | 6,245,000 | 6,182,000 | 6,204,000 |
| Securities available for sale | 118,010,000 | 119,645,000 | 126,803,000 | 133,361,000 |
| Securities held to maturity | 9,974,000 | 9,687,000 | 9,608,000 | 10,866,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 470,218,000 | 481,369,000 | 505,040,000 | 499,181,000 |
| Interest-bearing deposits | 390,990,000 | 396,006,000 | 416,928,000 | 413,193,000 |
| Noninterest-bearing deposits | 79,228,000 | 85,363,000 | 88,112,000 | 85,988,000 |
| Equity capital | 47,356,000 | 48,074,000 | 49,979,000 | 50,101,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 6,474,000 | 12,989,000 | 19,469,000 | 25,926,000 |
| Interest expense | 1,902,000 | 3,781,000 | 5,585,000 | 7,325,000 |
| Net interest income | 4,572,000 | 9,208,000 | 13,884,000 | 18,601,000 |
| Noninterest income | 818,000 | 1,708,000 | 2,714,000 | 3,617,000 |
| Noninterest expense | 3,300,000 | 7,025,000 | 10,515,000 | 14,046,000 |
| Provision for loan losses | 125,000 | 250,000 | 525,000 | 1,700,000 |
| Pretax income | 1,970,000 | 3,743,000 | 5,685,000 | 6,599,000 |
| Income tax | 549,000 | 1,029,000 | 1,554,000 | 1,737,000 |
| Net income | 1,421,000 | 2,714,000 | 4,131,000 | 4,862,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,310,000 | 48,225,000 | 49,267,000 | 49,561,000 |
| Total capital | 51,074,000 | 51,969,000 | 53,052,000 | 53,382,000 |
| Risk-weighted assets | 298,439,000 | 296,985,000 | 300,377,000 | 303,330,000 |