Call reports 2006
SARATOGA NATIONAL BANK AND TRUST COMPANY — 2006
What SARATOGA NATIONAL BANK AND TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 214,356,000 | 215,736,000 | 217,342,000 | 217,875,000 |
| Total loans | 173,345,000 | 173,139,000 | 177,760,000 | 179,213,000 |
| Allowance for loan losses | 2,063,000 | 2,069,000 | 2,073,000 | 2,078,000 |
| Securities available for sale | 27,277,000 | 26,437,000 | 25,704,000 | 25,575,000 |
| Securities held to maturity | 31,000 | 29,000 | 26,000 | 26,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 166,563,000 | 167,036,000 | 164,548,000 | 166,385,000 |
| Interest-bearing deposits | 149,652,000 | 148,828,000 | 148,081,000 | 147,648,000 |
| Noninterest-bearing deposits | 16,911,000 | 18,208,000 | 16,467,000 | 18,737,000 |
| Equity capital | 18,984,000 | 19,192,000 | 19,775,000 | 19,834,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,801,000 | 5,702,000 | 8,759,000 | 11,860,000 |
| Interest expense | 1,133,000 | 2,355,000 | 3,738,000 | 5,186,000 |
| Net interest income | 1,668,000 | 3,347,000 | 5,021,000 | 6,674,000 |
| Noninterest income | 206,000 | 506,000 | 748,000 | 972,000 |
| Noninterest expense | 1,049,000 | 2,133,000 | 3,154,000 | 4,110,000 |
| Provision for loan losses | 85,000 | 102,000 | 175,000 | 239,000 |
| Pretax income | 740,000 | 1,618,000 | 2,440,000 | 3,297,000 |
| Income tax | 287,000 | 630,000 | 949,000 | 1,282,000 |
| Net income | 453,000 | 988,000 | 1,491,000 | 2,015,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,416,000 | 17,784,000 | 18,125,000 | 18,485,000 |
| Total capital | 20,679,000 | 21,047,000 | 21,398,000 | 21,142,000 |
| Risk-weighted assets | 167,206,000 | 165,077,000 | 167,693,000 | 164,542,000 |
Machine access — free, no API key
Every figure shown here about SARATOGA NATIONAL BANK AND TRUST COMPANY — 2006 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts, and since 27 September get_timeseries for a metric over time with its gap years made explicit and compare_entities for several entities on one shared period) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.