Call reports 2011
SOLVAY BANK — 2011
What SOLVAY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 595,925,000 | 601,912,000 | 618,065,000 | 620,443,000 |
| Total loans | 365,640,000 | 366,527,000 | 370,680,000 | 372,017,000 |
| Allowance for loan losses | 6,143,000 | 6,134,000 | 6,057,000 | 6,320,000 |
| Securities available for sale | 179,593,000 | 185,958,000 | 193,245,000 | 208,944,000 |
| Securities held to maturity | 8,764,000 | 8,756,000 | 6,114,000 | 6,425,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 538,744,000 | 542,931,000 | 557,153,000 | 557,673,000 |
| Interest-bearing deposits | 451,764,000 | 450,400,000 | 456,685,000 | 452,727,000 |
| Noninterest-bearing deposits | 86,980,000 | 92,531,000 | 100,468,000 | 104,946,000 |
| Equity capital | 54,617,000 | 56,853,000 | 58,731,000 | 58,912,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 6,305,000 | 12,563,000 | 18,850,000 | 25,146,000 |
| Interest expense | 1,238,000 | 2,461,000 | 3,655,000 | 4,777,000 |
| Net interest income | 5,067,000 | 10,102,000 | 15,195,000 | 20,369,000 |
| Noninterest income | 1,047,000 | 2,154,000 | 3,287,000 | 4,327,000 |
| Noninterest expense | 3,691,000 | 7,480,000 | 11,295,000 | 15,179,000 |
| Provision for loan losses | 150,000 | 400,000 | 730,000 | 1,600,000 |
| Pretax income | 2,273,000 | 4,373,000 | 6,456,000 | 8,262,000 |
| Income tax | 650,000 | 1,230,000 | 1,787,000 | 2,262,000 |
| Net income | 1,623,000 | 3,143,000 | 4,669,000 | 6,000,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,530,000 | 55,632,000 | 56,739,000 | 57,630,000 |
| Total capital | 58,386,000 | 59,484,000 | 60,650,000 | 61,549,000 |
| Risk-weighted assets | 306,191,000 | 306,068,000 | 310,734,000 | 311,125,000 |