Call reports 2009
BALLSTON SPA NATIONAL BANK — 2009
What BALLSTON SPA NATIONAL BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 345,468,000 | 342,228,000 | 358,131,000 | 365,584,000 |
| Total loans | 262,588,000 | 257,576,000 | 251,138,000 | 253,217,000 |
| Allowance for loan losses | 4,035,000 | 4,168,000 | 4,202,000 | 4,348,000 |
| Securities available for sale | 68,533,000 | 63,726,000 | 67,826,000 | 72,756,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 267,643,000 | 265,785,000 | 280,242,000 | 289,064,000 |
| Interest-bearing deposits | 230,449,000 | 225,730,000 | 236,083,000 | 244,753,000 |
| Noninterest-bearing deposits | 37,194,000 | 40,055,000 | 44,159,000 | 44,311,000 |
| Equity capital | 25,288,000 | 25,660,000 | 27,214,000 | 27,985,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,778,000 | 9,358,000 | 13,851,000 | 18,375,000 |
| Interest expense | 1,275,000 | 2,466,000 | 3,596,000 | 4,750,000 |
| Net interest income | 3,503,000 | 6,892,000 | 10,255,000 | 13,625,000 |
| Noninterest income | 519,000 | 1,025,000 | 1,526,000 | 2,027,000 |
| Noninterest expense | 2,826,000 | 5,647,000 | 8,488,000 | 11,339,000 |
| Provision for loan losses | 300,000 | 525,000 | 675,000 | 900,000 |
| Pretax income | 877,000 | 1,730,000 | 2,603,000 | 3,398,000 |
| Income tax | 230,000 | 466,000 | 702,000 | 885,000 |
| Net income | 647,000 | 1,264,000 | 1,901,000 | 2,513,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,708,000 | 27,068,000 | 27,447,000 | 27,796,000 |
| Total capital | 29,477,000 | 29,836,000 | 30,187,000 | 30,571,000 |
| Risk-weighted assets | 220,203,000 | 219,977,000 | 217,649,000 | 220,320,000 |