Call reports 2004
BALLSTON SPA NATIONAL BANK — 2004
What BALLSTON SPA NATIONAL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 292,244,000 | 290,714,000 | 302,029,000 | 302,876,000 |
| Total loans | 148,873,000 | 153,211,000 | 162,346,000 | 172,765,000 |
| Allowance for loan losses | 2,234,000 | 2,230,000 | 2,204,000 | 2,214,000 |
| Securities available for sale | 122,541,000 | 116,791,000 | 115,312,000 | 111,404,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 244,608,000 | 242,573,000 | 261,477,000 | 254,341,000 |
| Interest-bearing deposits | 205,766,000 | 199,153,000 | 213,586,000 | 210,509,000 |
| Noninterest-bearing deposits | 38,842,000 | 43,420,000 | 47,891,000 | 43,832,000 |
| Equity capital | 24,378,000 | 22,534,000 | 23,421,000 | 22,385,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,175,000 | 6,470,000 | 9,722,000 | 13,199,000 |
| Interest expense | 725,000 | 1,441,000 | 2,167,000 | 2,959,000 |
| Net interest income | 2,450,000 | 5,029,000 | 7,555,000 | 10,240,000 |
| Noninterest income | 415,000 | 862,000 | 1,255,000 | 1,728,000 |
| Noninterest expense | 2,578,000 | 5,218,000 | 7,810,000 | 11,132,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 316,000 | 712,000 | 1,033,000 | 869,000 |
| Income tax | 79,000 | 147,000 | 260,000 | 14,000 |
| Net income | 237,000 | 565,000 | 773,000 | 855,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,760,000 | 21,859,000 | 21,830,000 | 20,920,000 |
| Total capital | 23,636,000 | 23,775,000 | 23,834,000 | 22,966,000 |
| Risk-weighted assets | 149,866,000 | 152,847,000 | 160,008,000 | 163,397,000 |