Call reports 2017
BALLSTON SPA NATIONAL BANK — 2017
What BALLSTON SPA NATIONAL BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 456,343,000 | 464,442,000 | 483,869,000 | 499,089,000 |
| Total loans | 339,862,000 | 366,449,000 | 388,266,000 | 396,455,000 |
| Allowance for loan losses | 4,155,000 | 4,254,000 | 4,505,000 | 4,839,000 |
| Securities available for sale | 76,614,000 | 71,613,000 | 63,823,000 | 74,257,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 415,694,000 | 376,695,000 | 430,812,000 | 406,099,000 |
| Interest-bearing deposits | 349,040,000 | 308,675,000 | 327,312,000 | 333,361,000 |
| Noninterest-bearing deposits | 66,654,000 | 68,020,000 | 103,500,000 | 72,738,000 |
| Equity capital | 36,360,000 | 37,029,000 | 37,256,000 | 37,901,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 3,892,000 | 8,378,000 | 12,740,000 | 17,298,000 |
| Interest expense | 131,000 | 305,000 | 598,000 | 853,000 |
| Net interest income | 3,761,000 | 8,073,000 | 12,142,000 | 16,445,000 |
| Noninterest income | 626,000 | 1,274,000 | 1,990,000 | 2,815,000 |
| Noninterest expense | 3,456,000 | 7,131,000 | 10,956,000 | 14,940,000 |
| Provision for loan losses | 75,000 | 208,000 | 469,000 | 799,000 |
| Pretax income | 856,000 | 2,008,000 | 2,709,000 | 3,523,000 |
| Income tax | 186,000 | 514,000 | 708,000 | 674,000 |
| Net income | 670,000 | 1,494,000 | 2,001,000 | 2,849,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,878,000 | 38,417,000 | 38,638,000 | 39,491,000 |
| Total capital | 41,907,000 | 42,730,000 | 43,151,000 | 44,131,000 |
| Risk-weighted assets | 322,066,000 | 345,043,000 | 361,017,000 | 370,991,000 |