Call reports 2011
BALLSTON SPA NATIONAL BANK — 2011
What BALLSTON SPA NATIONAL BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 405,905,000 | 398,063,000 | 405,844,000 | 387,870,000 |
| Total loans | 233,613,000 | 244,046,000 | 239,683,000 | 238,487,000 |
| Allowance for loan losses | 4,641,000 | 4,458,000 | 4,393,000 | 3,902,000 |
| Securities available for sale | 82,843,000 | 80,970,000 | 71,353,000 | 73,707,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 328,201,000 | 319,285,000 | 326,079,000 | 308,565,000 |
| Interest-bearing deposits | 281,719,000 | 270,884,000 | 274,662,000 | 264,132,000 |
| Noninterest-bearing deposits | 46,482,000 | 48,401,000 | 51,417,000 | 44,433,000 |
| Equity capital | 29,575,000 | 30,160,000 | 30,797,000 | 30,277,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 4,011,000 | 7,981,000 | 11,855,000 | 15,527,000 |
| Interest expense | 831,000 | 1,629,000 | 2,373,000 | 3,092,000 |
| Net interest income | 3,180,000 | 6,352,000 | 9,482,000 | 12,435,000 |
| Noninterest income | 486,000 | 1,055,000 | 1,596,000 | 2,210,000 |
| Noninterest expense | 2,713,000 | 5,521,000 | 8,216,000 | 11,070,000 |
| Provision for loan losses | 90,000 | 180,000 | 300,000 | 682,000 |
| Pretax income | 863,000 | 1,706,000 | 2,562,000 | 2,985,000 |
| Income tax | 218,000 | 430,000 | 641,000 | 669,000 |
| Net income | 645,000 | 1,276,000 | 1,921,000 | 2,316,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,741,000 | 30,113,000 | 30,499,000 | 30,634,000 |
| Total capital | 32,475,000 | 32,866,000 | 33,300,000 | 33,514,000 |
| Risk-weighted assets | 216,734,000 | 218,470,000 | 222,423,000 | 229,315,000 |