Call reports 2007
SARATOGA NATIONAL BANK AND TRUST COMPANY — 2007
What SARATOGA NATIONAL BANK AND TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 221,406,000 | 220,952,000 | 227,844,000 | 230,574,000 |
| Total loans | 185,428,000 | 184,211,000 | 179,868,000 | 190,906,000 |
| Allowance for loan losses | 2,081,000 | 2,089,000 | 2,100,000 | 2,150,000 |
| Securities available for sale | 24,005,000 | 23,119,000 | 22,437,000 | 24,027,000 |
| Securities held to maturity | 25,000 | 741,000 | 741,000 | 740,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 169,241,000 | 172,188,000 | 177,169,000 | 176,650,000 |
| Interest-bearing deposits | 153,503,000 | 155,830,000 | 159,286,000 | 159,208,000 |
| Noninterest-bearing deposits | 15,738,000 | 16,358,000 | 17,883,000 | 17,442,000 |
| Equity capital | 20,195,000 | 20,252,000 | 20,847,000 | 21,310,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,152,000 | 6,396,000 | 9,782,000 | 13,230,000 |
| Interest expense | 1,520,000 | 3,112,000 | 4,753,000 | 6,431,000 |
| Net interest income | 1,632,000 | 3,284,000 | 5,029,000 | 6,799,000 |
| Noninterest income | 232,000 | 477,000 | 730,000 | 972,000 |
| Noninterest expense | 1,065,000 | 2,194,000 | 3,256,000 | 4,287,000 |
| Provision for loan losses | 18,000 | 46,000 | 83,000 | 163,000 |
| Pretax income | 781,000 | 1,521,000 | 2,420,000 | 3,321,000 |
| Income tax | 305,000 | 590,000 | 940,000 | 1,310,000 |
| Net income | 476,000 | 931,000 | 1,480,000 | 2,011,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,812,000 | 19,102,000 | 19,483,000 | 19,799,000 |
| Total capital | 21,493,000 | 21,789,000 | 22,163,000 | 21,949,000 |
| Risk-weighted assets | 169,625,000 | 166,957,000 | 166,342,000 | 172,869,000 |
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