Call reports 2013
BALLSTON SPA NATIONAL BANK — 2013
What BALLSTON SPA NATIONAL BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 405,999,000 | 395,451,000 | 417,202,000 | 406,809,000 |
| Total loans | 254,393,000 | 255,371,000 | 259,353,000 | 261,877,000 |
| Allowance for loan losses | 4,497,000 | 4,360,000 | 4,373,000 | 4,275,000 |
| Securities available for sale | 78,856,000 | 71,146,000 | 78,679,000 | 75,884,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 334,966,000 | 325,110,000 | 345,796,000 | 336,173,000 |
| Interest-bearing deposits | 288,580,000 | 277,250,000 | 287,858,000 | 287,889,000 |
| Noninterest-bearing deposits | 46,386,000 | 47,860,000 | 57,938,000 | 48,284,000 |
| Equity capital | 32,135,000 | 31,600,000 | 32,236,000 | 33,997,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,592,000 | 7,049,000 | 10,707,000 | 14,225,000 |
| Interest expense | 522,000 | 968,000 | 1,404,000 | 1,844,000 |
| Net interest income | 3,070,000 | 6,081,000 | 9,303,000 | 12,381,000 |
| Noninterest income | 1,223,000 | 1,850,000 | 2,499,000 | 3,109,000 |
| Noninterest expense | 2,886,000 | 5,640,000 | 8,498,000 | 11,759,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 1,377,000 | 2,231,000 | 3,214,000 | 3,611,000 |
| Income tax | 348,000 | 585,000 | 804,000 | 850,000 |
| Net income | 1,029,000 | 1,646,000 | 2,410,000 | 2,761,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,716,000 | 33,060,000 | 33,585,000 | 33,665,000 |
| Total capital | 36,014,000 | 36,391,000 | 36,999,000 | 37,110,000 |
| Risk-weighted assets | 262,564,000 | 265,329,000 | 272,041,000 | 274,665,000 |