Call reports 2019
SOLVAY BANK — 2019
What SOLVAY BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 936,953,000 | 931,708,000 | 969,583,000 | 934,604,000 |
| Total loans | 609,041,000 | 612,724,000 | 610,444,000 | 606,216,000 |
| Allowance for loan losses | 5,586,000 | 5,693,000 | 5,744,000 | 5,689,000 |
| Securities available for sale | 238,534,000 | 235,229,000 | 241,619,000 | 252,890,000 |
| Securities held to maturity | 42,993,000 | 38,661,000 | 35,948,000 | 27,480,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 810,334,000 | 804,364,000 | 841,525,000 | 785,033,000 |
| Interest-bearing deposits | 616,777,000 | 609,266,000 | 620,472,000 | 580,295,000 |
| Noninterest-bearing deposits | 193,557,000 | 195,098,000 | 221,053,000 | 204,738,000 |
| Equity capital | 84,893,000 | 88,746,000 | 90,557,000 | 90,968,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 8,162,000 | 16,347,000 | 24,543,000 | 32,609,000 |
| Interest expense | 1,870,000 | 3,930,000 | 5,910,000 | 7,726,000 |
| Net interest income | 6,292,000 | 12,417,000 | 18,633,000 | 24,883,000 |
| Noninterest income | 1,288,000 | 2,648,000 | 3,986,000 | 5,367,000 |
| Noninterest expense | 4,707,000 | 9,378,000 | 14,143,000 | 19,001,000 |
| Provision for loan losses | 175,000 | 350,000 | 500,000 | 500,000 |
| Pretax income | 2,698,000 | 5,346,000 | 8,060,000 | 10,833,000 |
| Income tax | 499,000 | 988,000 | 1,483,000 | 2,017,000 |
| Net income | 2,199,000 | 4,358,000 | 6,577,000 | 8,816,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 87,845,000 | 89,233,000 | 90,681,000 | 91,691,000 |
| Total capital | 93,431,000 | 94,925,000 | 96,425,000 | 97,380,000 |
| Risk-weighted assets | 582,415,000 | 575,556,000 | 574,185,000 | 557,910,000 |