Call reports 2009
SARATOGA NATIONAL BANK AND TRUST COMPANY — 2009
What SARATOGA NATIONAL BANK AND TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 257,035,000 | 256,253,000 | 274,316,000 | 279,647,000 |
| Total loans | 202,916,000 | 204,423,000 | 207,186,000 | 205,449,000 |
| Allowance for loan losses | 2,434,000 | 2,501,000 | 2,562,000 | 2,582,000 |
| Securities available for sale | 28,537,000 | 31,221,000 | 37,935,000 | 44,331,000 |
| Securities held to maturity | 1,008,000 | 1,733,000 | 3,365,000 | 3,547,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 204,051,000 | 205,578,000 | 222,511,000 | 224,363,000 |
| Interest-bearing deposits | 184,925,000 | 187,059,000 | 202,025,000 | 202,993,000 |
| Noninterest-bearing deposits | 19,126,000 | 18,519,000 | 20,486,000 | 21,370,000 |
| Equity capital | 23,203,000 | 23,565,000 | 24,228,000 | 24,621,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,345,000 | 6,708,000 | 10,143,000 | 13,587,000 |
| Interest expense | 1,142,000 | 2,198,000 | 3,223,000 | 4,203,000 |
| Net interest income | 2,203,000 | 4,510,000 | 6,920,000 | 9,384,000 |
| Noninterest income | 288,000 | 590,000 | 840,000 | 1,095,000 |
| Noninterest expense | 1,247,000 | 2,627,000 | 3,919,000 | 5,171,000 |
| Provision for loan losses | 95,000 | 205,000 | 307,000 | 362,000 |
| Pretax income | 1,149,000 | 2,268,000 | 3,534,000 | 4,946,000 |
| Income tax | 448,000 | 887,000 | 1,376,000 | 1,927,000 |
| Net income | 701,000 | 1,381,000 | 2,158,000 | 3,019,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,128,000 | 22,554,000 | 23,079,000 | 23,687,000 |
| Total capital | 24,411,000 | 24,850,000 | 25,427,000 | 26,027,000 |
| Risk-weighted assets | 182,356,000 | 183,467,000 | 187,652,000 | 186,983,000 |
Machine access — free, no API key
Every figure shown here about SARATOGA NATIONAL BANK AND TRUST COMPANY — 2009 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 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.