Call reports 2018
BALLSTON SPA NATIONAL BANK — 2018
What BALLSTON SPA NATIONAL BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 504,128,000 | 502,492,000 | 518,435,000 | 531,968,000 |
| Total loans | 400,047,000 | 407,760,000 | 422,832,000 | 430,613,000 |
| Allowance for loan losses | 5,001,000 | 5,158,000 | 5,327,000 | 5,652,000 |
| Securities available for sale | 72,407,000 | 67,220,000 | 63,986,000 | 71,992,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 431,249,000 | 421,336,000 | 441,251,000 | 419,911,000 |
| Interest-bearing deposits | 354,935,000 | 341,632,000 | 347,120,000 | 342,118,000 |
| Noninterest-bearing deposits | 76,314,000 | 79,704,000 | 94,132,000 | 77,794,000 |
| Equity capital | 38,128,000 | 38,994,000 | 47,385,000 | 47,008,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 4,961,000 | 9,886,000 | 15,049,000 | 20,315,000 |
| Interest expense | 331,000 | 706,000 | 1,165,000 | 1,632,000 |
| Net interest income | 4,630,000 | 9,180,000 | 13,884,000 | 18,683,000 |
| Noninterest income | 906,000 | 2,092,000 | 2,898,000 | 3,650,000 |
| Noninterest expense | 3,971,000 | 7,806,000 | 11,666,000 | 15,892,000 |
| Provision for loan losses | 156,000 | 312,000 | 483,000 | 803,000 |
| Pretax income | 1,409,000 | 3,154,000 | 4,633,000 | 5,638,000 |
| Income tax | 277,000 | 606,000 | 941,000 | 1,084,000 |
| Net income | 1,132,000 | 2,548,000 | 3,692,000 | 4,554,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,379,000 | 41,446,000 | 50,023,000 | 50,358,000 |
| Total capital | 45,054,000 | 46,356,000 | 54,939,000 | 55,318,000 |
| Risk-weighted assets | 373,561,000 | 392,455,000 | 392,803,000 | 395,983,000 |