Call reports 2014
SOLVAY BANK — 2014
What SOLVAY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 721,698,000 | 736,263,000 | 762,551,000 | 754,392,000 |
| Total loans | 417,115,000 | 421,994,000 | 438,857,000 | 453,282,000 |
| Allowance for loan losses | 6,151,000 | 6,153,000 | 6,031,000 | 5,367,000 |
| Securities available for sale | 145,798,000 | 166,614,000 | 162,424,000 | 163,064,000 |
| Securities held to maturity | 119,061,000 | 114,160,000 | 112,549,000 | 109,701,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 648,821,000 | 660,155,000 | 685,585,000 | 656,588,000 |
| Interest-bearing deposits | 522,064,000 | 525,456,000 | 541,531,000 | 525,841,000 |
| Noninterest-bearing deposits | 126,757,000 | 134,699,000 | 144,054,000 | 130,747,000 |
| Equity capital | 66,233,000 | 67,958,000 | 68,566,000 | 70,068,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 5,850,000 | 11,747,000 | 17,751,000 | 23,882,000 |
| Interest expense | 795,000 | 1,627,000 | 2,455,000 | 3,267,000 |
| Net interest income | 5,055,000 | 10,120,000 | 15,296,000 | 20,615,000 |
| Noninterest income | 1,068,000 | 2,181,000 | 3,338,000 | 4,653,000 |
| Noninterest expense | 3,863,000 | 7,894,000 | 11,976,000 | 16,281,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,279,000 | 4,426,000 | 6,688,000 | 9,017,000 |
| Income tax | 627,000 | 1,195,000 | 1,811,000 | 2,465,000 |
| Net income | 1,652,000 | 3,231,000 | 4,877,000 | 6,552,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 67,659,000 | 68,736,000 | 69,894,000 | 71,073,000 |
| Total capital | 72,226,000 | 73,443,000 | 74,805,000 | 76,084,000 |
| Risk-weighted assets | 363,980,000 | 375,106,000 | 391,778,000 | 400,548,000 |