Call reports 2001
BALLSTON SPA NATIONAL BANK — 2001
What BALLSTON SPA NATIONAL BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 239,839,000 | 240,858,000 | 252,787,000 | 246,912,000 |
| Total loans | 157,026,000 | 159,042,000 | 159,190,000 | 159,787,000 |
| Allowance for loan losses | 2,115,000 | 2,074,000 | 2,006,000 | 2,118,000 |
| Securities available for sale | 55,699,000 | 62,918,000 | 61,509,000 | 66,655,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 214,938,000 | 215,846,000 | 226,584,000 | 222,860,000 |
| Interest-bearing deposits | 176,620,000 | 175,116,000 | 184,894,000 | 181,120,000 |
| Noninterest-bearing deposits | 38,318,000 | 40,730,000 | 41,690,000 | 41,740,000 |
| Equity capital | 19,053,000 | 19,188,000 | 18,959,000 | 18,585,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 4,268,000 | 8,521,000 | 12,661,000 | 16,859,000 |
| Interest expense | 1,913,000 | 3,771,000 | 5,497,000 | 6,994,000 |
| Net interest income | 2,355,000 | 4,750,000 | 7,164,000 | 9,865,000 |
| Noninterest income | 412,000 | 851,000 | 1,296,000 | 1,709,000 |
| Noninterest expense | 2,158,000 | 4,471,000 | 6,803,000 | 9,303,000 |
| Provision for loan losses | 1,024,000 | 1,082,000 | 1,389,000 | 1,635,000 |
| Pretax income | -415,000 | 114,000 | 334,000 | 702,000 |
| Income tax | -173,000 | 31,000 | -137,000 | -84,000 |
| Net income | -242,000 | 83,000 | 471,000 | 786,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,371,000 | 16,599,000 | 15,892,000 | 16,113,000 |
| Total capital | 18,219,000 | 18,464,000 | 17,777,000 | 18,011,000 |
| Risk-weighted assets | 147,602,000 | 149,236,000 | 150,657,000 | 151,194,000 |