Call reports 2015
BALLSTON SPA NATIONAL BANK — 2015
What BALLSTON SPA NATIONAL BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 434,193,000 | 403,787,000 | 430,259,000 | 442,246,000 |
| Total loans | 268,646,000 | 281,761,000 | 287,728,000 | 293,037,000 |
| Allowance for loan losses | 4,181,000 | 4,169,000 | 4,228,000 | 4,188,000 |
| Securities available for sale | 79,022,000 | 75,781,000 | 71,572,000 | 81,731,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 374,424,000 | 343,871,000 | 380,264,000 | 392,044,000 |
| Interest-bearing deposits | 322,676,000 | 290,952,000 | 298,571,000 | 320,415,000 |
| Noninterest-bearing deposits | 51,748,000 | 52,919,000 | 81,693,000 | 71,629,000 |
| Equity capital | 34,629,000 | 34,743,000 | 35,068,000 | 35,138,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,383,000 | 6,819,000 | 10,285,000 | 13,892,000 |
| Interest expense | 313,000 | 620,000 | 843,000 | 1,070,000 |
| Net interest income | 3,070,000 | 6,199,000 | 9,442,000 | 12,822,000 |
| Noninterest income | 625,000 | 1,205,000 | 1,769,000 | 2,378,000 |
| Noninterest expense | 3,013,000 | 5,918,000 | 8,965,000 | 12,238,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 90,000 |
| Pretax income | 652,000 | 1,426,000 | 2,156,000 | 2,872,000 |
| Income tax | 132,000 | 284,000 | 460,000 | 600,000 |
| Net income | 520,000 | 1,142,000 | 1,696,000 | 2,272,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,445,000 | 35,807,000 | 36,088,000 | 36,404,000 |
| Total capital | 38,651,000 | 39,141,000 | 39,449,000 | 39,882,000 |
| Risk-weighted assets | 255,411,000 | 265,799,000 | 267,901,000 | 277,431,000 |