Call reports 2008
SARATOGA NATIONAL BANK AND TRUST COMPANY — 2008
What SARATOGA NATIONAL BANK AND TRUST COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 240,002,000 | 239,539,000 | 239,493,000 | 239,215,000 |
| Total loans | 188,888,000 | 194,634,000 | 203,156,000 | 201,667,000 |
| Allowance for loan losses | 2,205,000 | 2,380,000 | 2,385,000 | 2,415,000 |
| Securities available for sale | 24,600,000 | 24,333,000 | 23,731,000 | 23,615,000 |
| Securities held to maturity | 740,000 | 740,000 | 1,008,000 | 1,008,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 187,432,000 | 187,582,000 | 179,982,000 | 188,103,000 |
| Interest-bearing deposits | 169,147,000 | 168,383,000 | 161,521,000 | 167,977,000 |
| Noninterest-bearing deposits | 18,285,000 | 19,199,000 | 18,461,000 | 20,126,000 |
| Equity capital | 21,704,000 | 21,818,000 | 22,380,000 | 22,632,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,363,000 | 6,702,000 | 10,146,000 | 13,617,000 |
| Interest expense | 1,566,000 | 2,853,000 | 4,071,000 | 5,262,000 |
| Net interest income | 1,797,000 | 3,849,000 | 6,075,000 | 8,355,000 |
| Noninterest income | 242,000 | 500,000 | 767,000 | 1,030,000 |
| Noninterest expense | 1,134,000 | 2,253,000 | 3,393,000 | 4,610,000 |
| Provision for loan losses | 91,000 | 310,000 | 365,000 | 485,000 |
| Pretax income | 814,000 | 1,786,000 | 3,084,000 | 4,290,000 |
| Income tax | 316,000 | 690,000 | 1,193,000 | 1,669,000 |
| Net income | 498,000 | 1,096,000 | 1,891,000 | 2,621,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,168,000 | 20,561,000 | 21,153,000 | 21,677,000 |
| Total capital | 22,301,000 | 22,743,000 | 23,398,000 | 23,911,000 |
| Risk-weighted assets | 170,595,000 | 174,351,000 | 179,477,000 | 178,519,000 |
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