Call reports 2015
SOLVAY BANK — 2015
What SOLVAY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 781,797,000 | 778,106,000 | 822,964,000 | 815,430,000 |
| Total loans | 463,663,000 | 462,752,000 | 467,805,000 | 484,225,000 |
| Allowance for loan losses | 5,439,000 | 5,579,000 | 5,600,000 | 5,542,000 |
| Securities available for sale | 173,836,000 | 184,845,000 | 190,899,000 | 199,222,000 |
| Securities held to maturity | 106,318,000 | 94,688,000 | 92,037,000 | 85,917,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 701,032,000 | 697,320,000 | 743,253,000 | 735,593,000 |
| Interest-bearing deposits | 570,458,000 | 560,867,000 | 580,800,000 | 573,405,000 |
| Noninterest-bearing deposits | 130,574,000 | 136,453,000 | 162,453,000 | 162,188,000 |
| Equity capital | 71,900,000 | 72,241,000 | 70,272,000 | 70,568,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 6,061,000 | 12,279,000 | 18,390,000 | 24,440,000 |
| Interest expense | 785,000 | 1,570,000 | 2,314,000 | 3,049,000 |
| Net interest income | 5,276,000 | 10,709,000 | 16,076,000 | 21,391,000 |
| Noninterest income | 1,368,000 | 2,588,000 | 3,752,000 | 5,070,000 |
| Noninterest expense | 4,093,000 | 8,419,000 | 12,652,000 | 17,057,000 |
| Provision for loan losses | 88,000 | 175,000 | 250,000 | 250,000 |
| Pretax income | 2,452,000 | 4,692,000 | 6,915,000 | 9,143,000 |
| Income tax | 686,000 | 1,259,000 | 1,825,000 | 2,423,000 |
| Net income | 1,766,000 | 3,433,000 | 5,090,000 | 6,720,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 72,320,000 | 73,449,000 | 70,703,000 | 71,825,000 |
| Total capital | 77,546,000 | 78,638,000 | 75,990,000 | 77,299,000 |
| Risk-weighted assets | 418,142,000 | 414,748,000 | 422,631,000 | 437,978,000 |