Call reports 2025
SOLVAY BANK — 2025
What SOLVAY BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 1,174,496,000 | 1,181,142,000 | 1,272,722,000 | 1,183,807,000 |
| Total loans | 730,592,000 | 737,876,000 | 742,988,000 | 743,295,000 |
| Allowance for loan losses | 8,124,000 | 7,924,000 | 7,961,000 | 7,983,000 |
| Securities available for sale | 361,825,000 | 363,231,000 | 360,930,000 | 355,513,000 |
| Securities held to maturity | 6,530,000 | 6,511,000 | 6,812,000 | 4,324,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,047,427,000 | 1,056,833,000 | 1,144,474,000 | 1,064,959,000 |
| Interest-bearing deposits | 799,085,000 | 804,781,000 | 873,840,000 | 782,659,000 |
| Noninterest-bearing deposits | 248,342,000 | 252,052,000 | 270,634,000 | 282,300,000 |
| Equity capital | 84,093,000 | 87,042,000 | 90,400,000 | 92,773,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 11,328,000 | 22,879,000 | 34,991,000 | 47,184,000 |
| Interest expense | 5,405,000 | 10,866,000 | 16,399,000 | 21,572,000 |
| Net interest income | 5,923,000 | 12,013,000 | 18,592,000 | 25,612,000 |
| Noninterest income | 1,343,000 | 2,685,000 | 4,286,000 | 5,860,000 |
| Noninterest expense | 5,824,000 | 11,886,000 | 17,849,000 | 24,309,000 |
| Provision for loan losses | 29,000 | -144,000 | -86,000 | 3,000 |
| Pretax income | 1,392,000 | 2,863,000 | 5,055,000 | 6,978,000 |
| Income tax | 200,000 | 432,000 | 765,000 | 1,039,000 |
| Net income | 1,192,000 | 2,431,000 | 4,290,000 | 5,939,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 111,286,000 | 111,410,000 | 112,155,000 | 112,458,000 |