Call reports 2018
SOLVAY BANK — 2018
What SOLVAY BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 888,453,000 | 885,550,000 | 901,999,000 | 908,130,000 |
| Total loans | 559,585,000 | 577,854,000 | 589,611,000 | 608,867,000 |
| Allowance for loan losses | 5,756,000 | 5,881,000 | 5,972,000 | 5,492,000 |
| Securities available for sale | 212,296,000 | 210,827,000 | 201,534,000 | 202,980,000 |
| Securities held to maturity | 57,722,000 | 53,294,000 | 49,340,000 | 47,379,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 786,590,000 | 780,660,000 | 795,616,000 | 786,223,000 |
| Interest-bearing deposits | 610,337,000 | 596,831,000 | 599,745,000 | 585,310,000 |
| Noninterest-bearing deposits | 176,253,000 | 183,829,000 | 195,871,000 | 200,913,000 |
| Equity capital | 76,559,000 | 77,487,000 | 77,933,000 | 81,698,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 6,956,000 | 14,136,000 | 21,621,000 | 29,445,000 |
| Interest expense | 936,000 | 2,022,000 | 3,341,000 | 4,878,000 |
| Net interest income | 6,020,000 | 12,114,000 | 18,280,000 | 24,567,000 |
| Noninterest income | 1,286,000 | 2,601,000 | 3,922,000 | 5,261,000 |
| Noninterest expense | 4,501,000 | 9,226,000 | 13,949,000 | 18,755,000 |
| Provision for loan losses | 163,000 | 325,000 | 488,000 | 625,000 |
| Pretax income | 2,642,000 | 5,164,000 | 7,773,000 | 10,456,000 |
| Income tax | 474,000 | 917,000 | 1,385,000 | 1,917,000 |
| Net income | 2,168,000 | 4,247,000 | 6,388,000 | 8,539,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 82,288,000 | 83,641,000 | 85,033,000 | 86,436,000 |
| Total capital | 88,044,000 | 89,522,000 | 91,005,000 | 91,928,000 |
| Risk-weighted assets | 520,896,000 | 537,806,000 | 552,401,000 | 570,144,000 |