Call reports 2014
BALLSTON SPA NATIONAL BANK — 2014
What BALLSTON SPA NATIONAL BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 421,754,000 | 394,580,000 | 415,391,000 | 423,867,000 |
| Total loans | 263,312,000 | 264,550,000 | 263,768,000 | 266,871,000 |
| Allowance for loan losses | 4,295,000 | 4,144,000 | 4,180,000 | 4,193,000 |
| Securities available for sale | 79,573,000 | 74,415,000 | 72,080,000 | 80,076,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 350,654,000 | 322,672,000 | 353,491,000 | 364,511,000 |
| Interest-bearing deposits | 302,512,000 | 272,457,000 | 285,078,000 | 315,111,000 |
| Noninterest-bearing deposits | 48,142,000 | 50,215,000 | 68,413,000 | 49,400,000 |
| Equity capital | 34,612,000 | 35,382,000 | 35,648,000 | 34,156,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,519,000 | 6,996,000 | 10,399,000 | 13,835,000 |
| Interest expense | 398,000 | 793,000 | 1,103,000 | 1,427,000 |
| Net interest income | 3,121,000 | 6,203,000 | 9,296,000 | 12,408,000 |
| Noninterest income | 713,000 | 1,371,000 | 1,946,000 | 2,600,000 |
| Noninterest expense | 2,848,000 | 5,659,000 | 8,452,000 | 11,527,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 956,000 | 1,855,000 | 2,700,000 | 3,361,000 |
| Income tax | 232,000 | 459,000 | 642,000 | 798,000 |
| Net income | 724,000 | 1,396,000 | 2,058,000 | 2,563,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,118,000 | 34,519,000 | 34,929,000 | 35,161,000 |
| Total capital | 37,529,000 | 37,900,000 | 38,273,000 | 38,406,000 |
| Risk-weighted assets | 261,119,000 | 258,558,000 | 255,008,000 | 246,241,000 |
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