Call reports 2005
BALLSTON SPA NATIONAL BANK — 2005
What BALLSTON SPA NATIONAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 301,227,000 | 302,713,000 | 310,320,000 | 308,667,000 |
| Total loans | 179,359,000 | 188,981,000 | 195,034,000 | 204,193,000 |
| Allowance for loan losses | 2,184,000 | 2,177,000 | 2,258,000 | 2,326,000 |
| Securities available for sale | 98,181,000 | 95,290,000 | 90,745,000 | 87,281,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 261,440,000 | 254,713,000 | 267,884,000 | 266,816,000 |
| Interest-bearing deposits | 218,952,000 | 210,990,000 | 217,962,000 | 219,399,000 |
| Noninterest-bearing deposits | 42,488,000 | 43,723,000 | 49,922,000 | 47,417,000 |
| Equity capital | 21,622,000 | 22,524,000 | 22,596,000 | 22,389,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,500,000 | 7,235,000 | 11,005,000 | 15,043,000 |
| Interest expense | 875,000 | 1,896,000 | 2,950,000 | 4,132,000 |
| Net interest income | 2,625,000 | 5,339,000 | 8,055,000 | 10,911,000 |
| Noninterest income | 417,000 | 872,000 | 1,350,000 | 1,794,000 |
| Noninterest expense | 2,479,000 | 5,013,000 | 7,741,000 | 10,670,000 |
| Provision for loan losses | 0 | 0 | 75,000 | 150,000 |
| Pretax income | 409,000 | 1,065,000 | 1,456,000 | 1,752,000 |
| Income tax | 56,000 | 227,000 | 309,000 | 345,000 |
| Net income | 353,000 | 838,000 | 1,147,000 | 1,407,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,021,000 | 21,250,000 | 22,049,000 | 22,034,000 |
| Total capital | 23,121,000 | 23,411,000 | 24,301,000 | 24,344,000 |
| Risk-weighted assets | 167,836,000 | 172,807,000 | 180,112,000 | 184,667,000 |