Call reports 2008
BALLSTON SPA NATIONAL BANK — 2008
What BALLSTON SPA NATIONAL BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 343,335,000 | 341,976,000 | 371,906,000 | 356,323,000 |
| Total loans | 259,064,000 | 266,960,000 | 272,974,000 | 268,565,000 |
| Allowance for loan losses | 3,007,000 | 3,183,000 | 3,439,000 | 3,766,000 |
| Securities available for sale | 67,331,000 | 58,678,000 | 72,824,000 | 73,003,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 263,420,000 | 245,402,000 | 264,816,000 | 260,677,000 |
| Interest-bearing deposits | 222,024,000 | 199,999,000 | 218,798,000 | 219,338,000 |
| Noninterest-bearing deposits | 41,396,000 | 45,403,000 | 46,018,000 | 41,339,000 |
| Equity capital | 26,779,000 | 26,285,000 | 26,513,000 | 24,540,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,839,000 | 9,727,000 | 14,666,000 | 19,773,000 |
| Interest expense | 1,780,000 | 3,315,000 | 4,767,000 | 6,179,000 |
| Net interest income | 3,059,000 | 6,412,000 | 9,899,000 | 13,594,000 |
| Noninterest income | 501,000 | 983,000 | 1,505,000 | 1,962,000 |
| Noninterest expense | 2,448,000 | 4,911,000 | 7,399,000 | 10,375,000 |
| Provision for loan losses | 135,000 | 330,000 | 845,000 | 1,270,000 |
| Pretax income | 1,028,000 | 2,205,000 | 3,211,000 | 3,461,000 |
| Income tax | 325,000 | 704,000 | 981,000 | 975,000 |
| Net income | 703,000 | 1,501,000 | 2,230,000 | 2,486,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,789,000 | 25,289,000 | 25,735,000 | 26,069,000 |
| Total capital | 27,553,000 | 28,084,000 | 28,589,000 | 28,939,000 |
| Risk-weighted assets | 220,791,000 | 223,149,000 | 227,649,000 | 228,606,000 |