Call reports 2013
SOLVAY BANK — 2013
What SOLVAY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 651,794,000 | 655,710,000 | 668,042,000 | 686,029,000 |
| Total loans | 386,826,000 | 394,629,000 | 396,740,000 | 410,686,000 |
| Allowance for loan losses | 6,494,000 | 6,383,000 | 6,367,000 | 6,249,000 |
| Securities available for sale | 235,743,000 | 229,918,000 | 236,285,000 | 246,330,000 |
| Securities held to maturity | 3,748,000 | 4,066,000 | 3,458,000 | 4,030,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 581,448,000 | 577,446,000 | 598,629,000 | 587,031,000 |
| Interest-bearing deposits | 463,898,000 | 456,833,000 | 469,198,000 | 464,084,000 |
| Noninterest-bearing deposits | 117,550,000 | 120,613,000 | 129,431,000 | 122,947,000 |
| Equity capital | 64,152,000 | 62,483,000 | 63,065,000 | 64,010,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 5,647,000 | 11,159,000 | 16,832,000 | 22,678,000 |
| Interest expense | 736,000 | 1,450,000 | 2,195,000 | 2,971,000 |
| Net interest income | 4,911,000 | 9,709,000 | 14,637,000 | 19,707,000 |
| Noninterest income | 1,125,000 | 2,325,000 | 3,537,000 | 4,728,000 |
| Noninterest expense | 3,750,000 | 7,656,000 | 11,466,000 | 15,629,000 |
| Provision for loan losses | 0 | 0 | 50,000 | 50,000 |
| Pretax income | 2,376,000 | 4,468,000 | 6,752,000 | 8,850,000 |
| Income tax | 693,000 | 1,254,000 | 1,897,000 | 2,458,000 |
| Net income | 1,683,000 | 3,214,000 | 4,855,000 | 6,392,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 63,204,000 | 64,279,000 | 65,459,000 | 66,502,000 |
| Total capital | 67,268,000 | 68,595,000 | 69,804,000 | 70,953,000 |
| Risk-weighted assets | 322,665,000 | 343,241,000 | 345,590,000 | 354,303,000 |