Call reports 2010
BALLSTON SPA NATIONAL BANK — 2010
What BALLSTON SPA NATIONAL BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 366,176,000 | 356,309,000 | 388,414,000 | 385,348,000 |
| Total loans | 250,328,000 | 246,192,000 | 241,064,000 | 234,544,000 |
| Allowance for loan losses | 4,426,000 | 4,497,000 | 4,504,000 | 4,595,000 |
| Securities available for sale | 78,217,000 | 73,251,000 | 68,136,000 | 85,816,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 288,783,000 | 278,220,000 | 309,630,000 | 307,810,000 |
| Interest-bearing deposits | 248,535,000 | 235,062,000 | 262,685,000 | 265,063,000 |
| Noninterest-bearing deposits | 40,248,000 | 43,158,000 | 46,945,000 | 42,747,000 |
| Equity capital | 28,645,000 | 29,277,000 | 29,913,000 | 29,036,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 4,313,000 | 8,495,000 | 12,666,000 | 16,766,000 |
| Interest expense | 1,081,000 | 2,115,000 | 3,017,000 | 3,913,000 |
| Net interest income | 3,232,000 | 6,380,000 | 9,649,000 | 12,853,000 |
| Noninterest income | 491,000 | 960,000 | 1,603,000 | 2,392,000 |
| Noninterest expense | 2,662,000 | 5,223,000 | 7,977,000 | 11,003,000 |
| Provision for loan losses | 140,000 | 230,000 | 445,000 | 655,000 |
| Pretax income | 921,000 | 1,887,000 | 2,830,000 | 3,587,000 |
| Income tax | 258,000 | 538,000 | 822,000 | 1,073,000 |
| Net income | 663,000 | 1,349,000 | 2,008,000 | 2,514,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,244,000 | 28,664,000 | 29,069,000 | 29,319,000 |
| Total capital | 31,000,000 | 31,385,000 | 31,731,000 | 32,052,000 |
| Risk-weighted assets | 218,690,000 | 215,822,000 | 211,038,000 | 216,692,000 |
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