Call reports 2021
SOLVAY BANK — 2021
What SOLVAY BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 1,105,471,000 | 1,126,228,000 | 1,123,635,000 | 1,097,571,000 |
| Total loans | 656,963,000 | 639,993,000 | 636,362,000 | 625,185,000 |
| Allowance for loan losses | 7,552,000 | 7,716,000 | 7,854,000 | 7,589,000 |
| Securities available for sale | 304,762,000 | 361,205,000 | 398,183,000 | 419,069,000 |
| Securities held to maturity | 15,313,000 | 11,075,000 | 9,978,000 | 7,775,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 979,524,000 | 1,000,149,000 | 998,732,000 | 987,673,000 |
| Interest-bearing deposits | 663,741,000 | 682,832,000 | 698,135,000 | 666,239,000 |
| Noninterest-bearing deposits | 315,783,000 | 317,317,000 | 300,597,000 | 321,434,000 |
| Equity capital | 96,880,000 | 99,532,000 | 99,701,000 | 99,685,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 7,580,000 | 15,144,000 | 23,177,000 | 31,014,000 |
| Interest expense | 924,000 | 1,778,000 | 2,533,000 | 3,188,000 |
| Net interest income | 6,656,000 | 13,366,000 | 20,644,000 | 27,826,000 |
| Noninterest income | 1,254,000 | 2,611,000 | 3,997,000 | 5,838,000 |
| Noninterest expense | 4,850,000 | 9,836,000 | 14,851,000 | 20,051,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 2,910,000 | 5,849,000 | 9,358,000 | 13,031,000 |
| Income tax | 583,000 | 1,171,000 | 1,887,000 | 2,592,000 |
| Net income | 2,327,000 | 4,678,000 | 7,471,000 | 10,439,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 97,153,000 | 98,653,000 | 100,595,000 | 102,712,000 |