Call reports 2006
BALLSTON SPA NATIONAL BANK — 2006
What BALLSTON SPA NATIONAL BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 319,382,000 | 324,517,000 | 333,525,000 | 319,489,000 |
| Total loans | 216,553,000 | 226,466,000 | 232,952,000 | 234,769,000 |
| Allowance for loan losses | 2,364,000 | 2,361,000 | 2,444,000 | 2,627,000 |
| Securities available for sale | 83,922,000 | 79,547,000 | 75,062,000 | 69,128,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 260,466,000 | 258,000,000 | 275,836,000 | 271,780,000 |
| Interest-bearing deposits | 217,441,000 | 211,119,000 | 228,888,000 | 226,065,000 |
| Noninterest-bearing deposits | 43,025,000 | 46,881,000 | 46,948,000 | 45,715,000 |
| Equity capital | 22,097,000 | 22,383,000 | 23,239,000 | 23,592,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 4,108,000 | 8,427,000 | 12,902,000 | 17,493,000 |
| Interest expense | 1,339,000 | 2,956,000 | 4,767,000 | 6,484,000 |
| Net interest income | 2,769,000 | 5,471,000 | 8,135,000 | 11,009,000 |
| Noninterest income | 434,000 | 903,000 | 1,359,000 | 1,854,000 |
| Noninterest expense | 2,558,000 | 4,994,000 | 7,346,000 | 9,810,000 |
| Provision for loan losses | 45,000 | 90,000 | 150,000 | 310,000 |
| Pretax income | 600,000 | 1,293,000 | 2,001,000 | 2,746,000 |
| Income tax | 122,000 | 342,000 | 550,000 | 763,000 |
| Net income | 478,000 | 951,000 | 1,451,000 | 1,983,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,233,000 | 22,522,000 | 22,729,000 | 22,960,000 |
| Total capital | 24,677,000 | 24,964,000 | 25,254,000 | 25,470,000 |
| Risk-weighted assets | 195,536,000 | 201,982,000 | 206,075,000 | 200,611,000 |
Machine access — free, no API key
Every figure shown here about BALLSTON SPA NATIONAL BANK — 2006 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.