Call reports 2002
BALLSTON SPA NATIONAL BANK — 2002
What BALLSTON SPA NATIONAL BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 244,791,000 | 251,429,000 | 260,727,000 | 263,269,000 |
| Total loans | 161,276,000 | 166,972,000 | 164,988,000 | 163,928,000 |
| Allowance for loan losses | 2,198,000 | 2,491,000 | 2,406,000 | 2,056,000 |
| Securities available for sale | 65,656,000 | 68,312,000 | 66,839,000 | 70,423,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 219,981,000 | 216,934,000 | 229,624,000 | 233,253,000 |
| Interest-bearing deposits | 180,187,000 | 176,542,000 | 187,249,000 | 192,396,000 |
| Noninterest-bearing deposits | 39,794,000 | 40,392,000 | 42,375,000 | 40,857,000 |
| Equity capital | 18,759,000 | 19,579,000 | 20,112,000 | 18,496,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,816,000 | 7,634,000 | 11,425,000 | 15,168,000 |
| Interest expense | 1,198,000 | 2,376,000 | 3,569,000 | 4,735,000 |
| Net interest income | 2,618,000 | 5,258,000 | 7,856,000 | 10,433,000 |
| Noninterest income | 416,000 | 831,000 | 1,207,000 | 1,628,000 |
| Noninterest expense | 2,427,000 | 4,827,000 | 7,287,000 | 9,804,000 |
| Provision for loan losses | 135,000 | 525,000 | 660,000 | 2,317,000 |
| Pretax income | 591,000 | 903,000 | 1,311,000 | 135,000 |
| Income tax | 137,000 | 192,000 | 237,000 | -375,000 |
| Net income | 454,000 | 711,000 | 1,074,000 | 510,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,440,000 | 16,558,000 | 16,778,000 | 15,126,000 |
| Total capital | 18,351,000 | 18,495,000 | 18,730,000 | 17,056,000 |
| Risk-weighted assets | 152,493,000 | 154,323,000 | 155,562,000 | 154,156,000 |
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