Call reports 2007
BALLSTON SPA NATIONAL BANK — 2007
What BALLSTON SPA NATIONAL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 318,580,000 | 309,365,000 | 344,770,000 | 339,914,000 |
| Total loans | 233,592,000 | 238,130,000 | 252,572,000 | 254,052,000 |
| Allowance for loan losses | 2,649,000 | 2,697,000 | 2,730,000 | 2,936,000 |
| Securities available for sale | 63,368,000 | 55,909,000 | 74,141,000 | 69,924,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 269,124,000 | 249,741,000 | 259,196,000 | 266,572,000 |
| Interest-bearing deposits | 226,726,000 | 206,573,000 | 213,722,000 | 222,649,000 |
| Noninterest-bearing deposits | 42,398,000 | 43,168,000 | 45,474,000 | 43,923,000 |
| Equity capital | 24,230,000 | 24,403,000 | 25,291,000 | 25,982,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,435,000 | 8,931,000 | 13,660,000 | 18,586,000 |
| Interest expense | 1,661,000 | 3,352,000 | 5,283,000 | 7,194,000 |
| Net interest income | 2,774,000 | 5,579,000 | 8,377,000 | 11,392,000 |
| Noninterest income | 502,000 | 1,006,000 | 1,491,000 | 1,972,000 |
| Noninterest expense | 2,307,000 | 4,605,000 | 7,001,000 | 9,482,000 |
| Provision for loan losses | 105,000 | 210,000 | 295,000 | 500,000 |
| Pretax income | 864,000 | 1,770,000 | 2,572,000 | 3,382,000 |
| Income tax | 240,000 | 553,000 | 769,000 | 1,006,000 |
| Net income | 624,000 | 1,217,000 | 1,803,000 | 2,376,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,393,000 | 23,795,000 | 24,112,000 | 24,393,000 |
| Total capital | 25,900,000 | 26,317,000 | 26,856,000 | 27,092,000 |
| Risk-weighted assets | 200,341,000 | 201,473,000 | 219,483,000 | 215,572,000 |