Call reports 2010
SARATOGA NATIONAL BANK AND TRUST COMPANY — 2010
What SARATOGA NATIONAL BANK AND TRUST COMPANY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 271,948,000 | 275,416,000 | 289,346,000 | 295,063,000 |
| Total loans | 208,985,000 | 214,810,000 | 210,846,000 | 195,118,000 |
| Allowance for loan losses | 2,617,000 | 2,642,000 | 2,668,000 | 2,666,000 |
| Securities available for sale | 44,369,000 | 42,738,000 | 40,990,000 | 55,181,000 |
| Securities held to maturity | 3,545,000 | 3,542,000 | 3,540,000 | 3,695,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 221,010,000 | 223,726,000 | 232,919,000 | 239,696,000 |
| Interest-bearing deposits | 199,024,000 | 201,873,000 | 210,130,000 | 217,634,000 |
| Noninterest-bearing deposits | 21,986,000 | 21,853,000 | 22,789,000 | 22,062,000 |
| Equity capital | 25,351,000 | 26,212,000 | 26,807,000 | 26,914,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,352,000 | 6,683,000 | 9,940,000 | 13,080,000 |
| Interest expense | 895,000 | 1,734,000 | 2,553,000 | 3,373,000 |
| Net interest income | 2,457,000 | 4,949,000 | 7,387,000 | 9,707,000 |
| Noninterest income | 257,000 | 533,000 | 1,013,000 | 1,423,000 |
| Noninterest expense | 1,228,000 | 2,569,000 | 3,999,000 | 5,203,000 |
| Provision for loan losses | 75,000 | 135,000 | 180,000 | 190,000 |
| Pretax income | 1,411,000 | 2,778,000 | 4,221,000 | 5,737,000 |
| Income tax | 542,000 | 1,057,000 | 1,599,000 | 2,192,000 |
| Net income | 869,000 | 1,721,000 | 2,622,000 | 3,545,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,312,000 | 24,913,000 | 25,559,000 | 26,077,000 |
| Total capital | 26,649,000 | 27,315,000 | 27,970,000 | 28,369,000 |
| Risk-weighted assets | 186,698,000 | 191,909,000 | 192,639,000 | 182,979,000 |
Machine access — free, no API key
Every figure shown here about SARATOGA NATIONAL BANK AND TRUST COMPANY — 2010 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.