Call reports 2012
SOLVAY BANK — 2012
What SOLVAY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 648,080,000 | 648,158,000 | 657,611,000 | 653,750,000 |
| Total loans | 372,433,000 | 377,542,000 | 383,771,000 | 385,138,000 |
| Allowance for loan losses | 6,375,000 | 6,322,000 | 6,564,000 | 6,577,000 |
| Securities available for sale | 227,512,000 | 235,915,000 | 232,028,000 | 233,315,000 |
| Securities held to maturity | 6,342,000 | 6,100,000 | 6,635,000 | 5,688,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 584,526,000 | 583,188,000 | 591,601,000 | 584,785,000 |
| Interest-bearing deposits | 476,647,000 | 464,512,000 | 473,313,000 | 453,717,000 |
| Noninterest-bearing deposits | 107,879,000 | 118,676,000 | 118,288,000 | 131,068,000 |
| Equity capital | 59,741,000 | 61,080,000 | 62,489,000 | 63,469,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 6,127,000 | 12,258,000 | 18,279,000 | 23,564,000 |
| Interest expense | 1,050,000 | 2,020,000 | 2,919,000 | 3,742,000 |
| Net interest income | 5,077,000 | 10,238,000 | 15,360,000 | 19,822,000 |
| Noninterest income | 1,072,000 | 2,102,000 | 3,165,000 | 4,240,000 |
| Noninterest expense | 3,871,000 | 7,843,000 | 11,850,000 | 15,128,000 |
| Provision for loan losses | 250,000 | 500,000 | 625,000 | 675,000 |
| Pretax income | 2,028,000 | 4,126,000 | 6,316,000 | 8,517,000 |
| Income tax | 546,000 | 1,125,000 | 1,727,000 | 2,334,000 |
| Net income | 1,482,000 | 3,001,000 | 4,589,000 | 6,183,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,675,000 | 59,694,000 | 60,847,000 | 62,097,000 |
| Total capital | 62,615,000 | 63,703,000 | 64,863,000 | 66,112,000 |
| Risk-weighted assets | 312,727,000 | 318,511,000 | 318,724,000 | 318,630,000 |