Call reports 2010
SOLVAY BANK — 2010
What SOLVAY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 580,146,000 | 582,150,000 | 591,258,000 | 587,906,000 |
| Total loans | 369,090,000 | 368,249,000 | 368,616,000 | 365,448,000 |
| Allowance for loan losses | 6,229,000 | 6,370,000 | 6,225,000 | 6,282,000 |
| Securities available for sale | 148,264,000 | 161,816,000 | 160,966,000 | 181,819,000 |
| Securities held to maturity | 9,660,000 | 8,594,000 | 8,743,000 | 8,357,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 526,841,000 | 527,043,000 | 533,975,000 | 531,784,000 |
| Interest-bearing deposits | 442,346,000 | 438,293,000 | 444,863,000 | 440,401,000 |
| Noninterest-bearing deposits | 84,495,000 | 88,750,000 | 89,112,000 | 91,383,000 |
| Equity capital | 50,955,000 | 52,916,000 | 54,774,000 | 53,583,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 6,306,000 | 12,729,000 | 19,100,000 | 25,429,000 |
| Interest expense | 1,593,000 | 3,159,000 | 4,601,000 | 5,964,000 |
| Net interest income | 4,713,000 | 9,570,000 | 14,499,000 | 19,465,000 |
| Noninterest income | 936,000 | 1,900,000 | 2,907,000 | 4,002,000 |
| Noninterest expense | 3,660,000 | 7,468,000 | 11,178,000 | 15,052,000 |
| Provision for loan losses | 188,000 | 323,000 | 477,000 | 600,000 |
| Pretax income | 1,802,000 | 3,680,000 | 5,752,000 | 7,816,000 |
| Income tax | 481,000 | 981,000 | 1,545,000 | 2,135,000 |
| Net income | 1,321,000 | 2,699,000 | 4,207,000 | 5,681,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,498,000 | 51,488,000 | 52,608,000 | 53,316,000 |
| Total capital | 54,383,000 | 55,393,000 | 56,522,000 | 57,165,000 |
| Risk-weighted assets | 308,424,000 | 309,911,000 | 310,810,000 | 305,502,000 |