Call reports 2012
BALLSTON SPA NATIONAL BANK — 2012
What BALLSTON SPA NATIONAL BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 394,776,000 | 390,811,000 | 419,378,000 | 421,160,000 |
| Total loans | 240,703,000 | 242,258,000 | 254,262,000 | 257,802,000 |
| Allowance for loan losses | 4,132,000 | 4,230,000 | 4,316,000 | 4,294,000 |
| Securities available for sale | 70,998,000 | 69,546,000 | 83,529,000 | 81,374,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 315,710,000 | 311,356,000 | 338,523,000 | 340,856,000 |
| Interest-bearing deposits | 270,722,000 | 265,919,000 | 286,194,000 | 290,131,000 |
| Noninterest-bearing deposits | 44,988,000 | 45,437,000 | 52,329,000 | 50,725,000 |
| Equity capital | 30,601,000 | 30,941,000 | 31,736,000 | 31,512,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,625,000 | 7,265,000 | 10,919,000 | 14,559,000 |
| Interest expense | 650,000 | 1,264,000 | 1,856,000 | 2,437,000 |
| Net interest income | 2,975,000 | 6,001,000 | 9,063,000 | 12,122,000 |
| Noninterest income | 710,000 | 1,417,000 | 2,190,000 | 2,797,000 |
| Noninterest expense | 2,823,000 | 5,581,000 | 8,308,000 | 11,480,000 |
| Provision for loan losses | 150,000 | 240,000 | 270,000 | 400,000 |
| Pretax income | 712,000 | 1,597,000 | 2,675,000 | 3,039,000 |
| Income tax | 146,000 | 364,000 | 636,000 | 684,000 |
| Net income | 566,000 | 1,233,000 | 2,039,000 | 2,355,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,934,000 | 31,369,000 | 31,935,000 | 31,963,000 |
| Total capital | 33,866,000 | 34,416,000 | 35,158,000 | 35,194,000 |
| Risk-weighted assets | 233,300,000 | 242,505,000 | 256,651,000 | 257,321,000 |