Call reports 2017
SOLVAY BANK — 2017
What SOLVAY BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 858,196,000 | 879,960,000 | 900,954,000 | 867,092,000 |
| Total loans | 531,618,000 | 537,958,000 | 546,031,000 | 547,573,000 |
| Allowance for loan losses | 5,630,000 | 5,708,000 | 5,690,000 | 5,650,000 |
| Securities available for sale | 217,749,000 | 229,238,000 | 218,285,000 | 215,059,000 |
| Securities held to maturity | 67,110,000 | 61,954,000 | 60,130,000 | 56,554,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 763,126,000 | 780,611,000 | 799,573,000 | 763,532,000 |
| Interest-bearing deposits | 593,020,000 | 601,772,000 | 613,561,000 | 577,739,000 |
| Noninterest-bearing deposits | 170,106,000 | 178,839,000 | 186,012,000 | 185,793,000 |
| Equity capital | 74,504,000 | 76,396,000 | 77,568,000 | 77,321,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 6,519,000 | 13,179,000 | 20,088,000 | 26,917,000 |
| Interest expense | 811,000 | 1,657,000 | 2,568,000 | 3,498,000 |
| Net interest income | 5,708,000 | 11,522,000 | 17,520,000 | 23,419,000 |
| Noninterest income | 1,274,000 | 2,629,000 | 3,879,000 | 5,329,000 |
| Noninterest expense | 4,358,000 | 8,930,000 | 13,602,000 | 18,158,000 |
| Provision for loan losses | 181,000 | 363,000 | 469,000 | 525,000 |
| Pretax income | 2,443,000 | 4,858,000 | 7,368,000 | 10,065,000 |
| Income tax | 639,000 | 1,249,000 | 1,890,000 | 3,281,000 |
| Net income | 1,804,000 | 3,609,000 | 5,478,000 | 6,784,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 77,329,000 | 78,464,000 | 79,661,000 | 80,848,000 |
| Total capital | 82,959,000 | 84,172,000 | 85,351,000 | 86,498,000 |
| Risk-weighted assets | 495,562,000 | 502,042,000 | 508,923,000 | 502,508,000 |