Call reports 2005
SARATOGA NATIONAL BANK AND TRUST COMPANY — 2005
What SARATOGA NATIONAL BANK AND TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 183,122,000 | 187,247,000 | 194,354,000 | 211,645,000 |
| Total loans | 163,199,000 | 160,639,000 | 166,452,000 | 172,889,000 |
| Allowance for loan losses | 2,056,000 | 2,061,000 | 2,065,000 | 2,060,000 |
| Securities available for sale | 13,394,000 | 16,244,000 | 17,811,000 | 28,150,000 |
| Securities held to maturity | 33,000 | 33,000 | 32,000 | 32,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,064,000 | 159,805,000 | 158,759,000 | 163,045,000 |
| Interest-bearing deposits | 120,556,000 | 142,273,000 | 141,667,000 | 144,781,000 |
| Noninterest-bearing deposits | 12,508,000 | 17,532,000 | 17,092,000 | 18,264,000 |
| Equity capital | 17,706,000 | 18,352,000 | 18,643,000 | 18,948,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,198,000 | 4,585,000 | 7,041,000 | 9,775,000 |
| Interest expense | 603,000 | 1,280,000 | 2,021,000 | 3,065,000 |
| Net interest income | 1,595,000 | 3,305,000 | 5,020,000 | 6,710,000 |
| Noninterest income | 152,000 | 327,000 | 549,000 | 741,000 |
| Noninterest expense | 785,000 | 1,746,000 | 2,718,000 | 3,613,000 |
| Provision for loan losses | 78,000 | 109,000 | 155,000 | 240,000 |
| Pretax income | 884,000 | 1,777,000 | 2,735,000 | 3,637,000 |
| Income tax | 342,000 | 685,000 | 1,055,000 | 1,403,000 |
| Net income | 542,000 | 1,092,000 | 1,680,000 | 2,234,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,787,000 | 16,203,000 | 16,680,000 | 17,121,000 |
| Total capital | 21,442,000 | 19,894,000 | 20,428,000 | 20,381,000 |
| Risk-weighted assets | 148,180,000 | 151,099,000 | 155,733,000 | 167,082,000 |
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