Call reports 2016
BALLSTON SPA NATIONAL BANK — 2016
What BALLSTON SPA NATIONAL BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 439,395,000 | 413,496,000 | 439,831,000 | 442,206,000 |
| Total loans | 298,157,000 | 295,843,000 | 316,026,000 | 330,173,000 |
| Allowance for loan losses | 4,082,000 | 3,956,000 | 3,981,000 | 4,040,000 |
| Securities available for sale | 80,153,000 | 80,315,000 | 82,462,000 | 78,773,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 388,915,000 | 362,015,000 | 398,915,000 | 401,350,000 |
| Interest-bearing deposits | 329,339,000 | 300,179,000 | 310,917,000 | 331,252,000 |
| Noninterest-bearing deposits | 59,576,000 | 61,836,000 | 87,998,000 | 70,098,000 |
| Equity capital | 35,735,000 | 36,388,000 | 36,341,000 | 35,923,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,618,000 | 7,258,000 | 11,064,000 | 14,989,000 |
| Interest expense | 219,000 | 435,000 | 584,000 | 716,000 |
| Net interest income | 3,399,000 | 6,823,000 | 10,480,000 | 14,273,000 |
| Noninterest income | 565,000 | 1,152,000 | 1,144,000 | 1,818,000 |
| Noninterest expense | 3,114,000 | 6,199,000 | 9,331,000 | 12,667,000 |
| Provision for loan losses | 30,000 | 60,000 | 120,000 | 180,000 |
| Pretax income | 820,000 | 1,723,000 | 2,232,000 | 3,303,000 |
| Income tax | 202,000 | 413,000 | 530,000 | 761,000 |
| Net income | 618,000 | 1,310,000 | 1,702,000 | 2,542,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,754,000 | 37,168,000 | 37,282,000 | 37,490,000 |
| Total capital | 40,275,000 | 40,715,000 | 41,058,000 | 41,398,000 |
| Risk-weighted assets | 281,064,000 | 283,259,000 | 301,794,000 | 312,317,000 |