Call reports 2003
BALLSTON SPA NATIONAL BANK — 2003
What BALLSTON SPA NATIONAL BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 268,150,000 | 275,241,000 | 277,705,000 | 284,008,000 |
| Total loans | 163,522,000 | 154,975,000 | 151,019,000 | 151,396,000 |
| Allowance for loan losses | 2,154,000 | 2,580,000 | 2,640,000 | 2,243,000 |
| Securities available for sale | 67,839,000 | 83,628,000 | 100,798,000 | 113,478,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 237,642,000 | 242,813,000 | 245,740,000 | 242,582,000 |
| Interest-bearing deposits | 195,248,000 | 198,187,000 | 200,655,000 | 199,392,000 |
| Noninterest-bearing deposits | 42,394,000 | 44,626,000 | 45,085,000 | 43,190,000 |
| Equity capital | 18,565,000 | 23,254,000 | 22,790,000 | 23,783,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,501,000 | 6,888,000 | 10,211,000 | 13,485,000 |
| Interest expense | 950,000 | 1,798,000 | 2,597,000 | 3,373,000 |
| Net interest income | 2,551,000 | 5,090,000 | 7,614,000 | 10,112,000 |
| Noninterest income | 433,000 | 992,000 | 1,606,000 | 2,084,000 |
| Noninterest expense | 2,463,000 | 4,971,000 | 7,540,000 | 10,317,000 |
| Provision for loan losses | 75,000 | 450,000 | 450,000 | 450,000 |
| Pretax income | 530,000 | 1,067,000 | 1,636,000 | 1,941,000 |
| Income tax | 325,000 | 382,000 | 549,000 | 515,000 |
| Net income | 205,000 | 685,000 | 1,087,000 | 1,426,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,337,000 | 19,994,000 | 20,391,000 | 21,753,000 |
| Total capital | 17,274,000 | 21,877,000 | 22,275,000 | 23,625,000 |
| Risk-weighted assets | 154,654,000 | 150,101,000 | 150,117,000 | 149,536,000 |