Call reports 2012
SARATOGA NATIONAL BANK AND TRUST COMPANY — 2012
What SARATOGA NATIONAL BANK AND TRUST COMPANY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 304,919,000 | 300,197,000 | 310,273,000 | 307,822,000 |
| Total loans | 203,626,000 | 208,622,000 | 210,542,000 | 209,860,000 |
| Allowance for loan losses | 2,739,000 | 2,620,000 | 2,584,000 | 2,614,000 |
| Securities available for sale | 49,236,000 | 42,783,000 | 44,823,000 | 54,597,000 |
| Securities held to maturity | 21,855,000 | 26,030,000 | 25,207,000 | 24,764,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 263,784,000 | 258,266,000 | 268,557,000 | 265,636,000 |
| Interest-bearing deposits | 239,185,000 | 231,338,000 | 239,611,000 | 236,546,000 |
| Noninterest-bearing deposits | 24,599,000 | 26,928,000 | 28,946,000 | 29,090,000 |
| Equity capital | 28,735,000 | 29,303,000 | 29,811,000 | 30,017,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,811,000 | 5,620,000 | 8,376,000 | 11,126,000 |
| Interest expense | 521,000 | 969,000 | 1,380,000 | 1,754,000 |
| Net interest income | 2,290,000 | 4,651,000 | 6,996,000 | 9,372,000 |
| Noninterest income | 477,000 | 957,000 | 1,520,000 | 2,122,000 |
| Noninterest expense | 1,461,000 | 2,908,000 | 4,428,000 | 5,985,000 |
| Provision for loan losses | 15,000 | -75,000 | -75,000 | 0 |
| Pretax income | 1,291,000 | 2,775,000 | 4,163,000 | 5,509,000 |
| Income tax | 488,000 | 1,044,000 | 1,566,000 | 2,068,000 |
| Net income | 803,000 | 1,731,000 | 2,597,000 | 3,441,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,768,000 | 28,343,000 | 28,857,000 | 29,297,000 |
| Total capital | 30,287,000 | 30,861,000 | 31,441,000 | 31,911,000 |
| Risk-weighted assets | 201,333,000 | 201,368,000 | 208,847,000 | 211,973,000 |