Call reports 2019
BALLSTON SPA NATIONAL BANK — 2019
What BALLSTON SPA NATIONAL BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 542,131,000 | 549,782,000 | 577,165,000 | 584,882,000 |
| Total loans | 443,435,000 | 452,124,000 | 459,731,000 | 477,833,000 |
| Allowance for loan losses | 5,772,000 | 5,961,000 | 6,028,000 | 6,205,000 |
| Securities available for sale | 70,131,000 | 66,398,000 | 73,382,000 | 75,325,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 443,057,000 | 449,729,000 | 504,959,000 | 446,279,000 |
| Interest-bearing deposits | 360,891,000 | 370,728,000 | 398,794,000 | 365,138,000 |
| Noninterest-bearing deposits | 82,166,000 | 79,001,000 | 106,165,000 | 81,142,000 |
| Equity capital | 48,847,000 | 50,036,000 | 50,792,000 | 52,109,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 5,444,000 | 11,001,000 | 16,699,000 | 22,398,000 |
| Interest expense | 668,000 | 1,465,000 | 2,417,000 | 3,398,000 |
| Net interest income | 4,776,000 | 9,536,000 | 14,282,000 | 19,000,000 |
| Noninterest income | 792,000 | 1,617,000 | 2,437,000 | 3,353,000 |
| Noninterest expense | 3,989,000 | 8,108,000 | 12,378,000 | 16,842,000 |
| Provision for loan losses | 180,000 | 360,000 | 540,000 | 725,000 |
| Pretax income | 1,399,000 | 2,685,000 | 3,801,000 | 4,786,000 |
| Income tax | 241,000 | 487,000 | 720,000 | 855,000 |
| Net income | 1,158,000 | 2,198,000 | 3,081,000 | 3,931,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,516,000 | 52,312,000 | 52,950,000 | 53,554,000 |
| Total capital | 56,639,000 | 57,545,000 | 58,315,000 | 59,178,000 |
| Risk-weighted assets | 409,103,000 | 417,826,000 | 428,420,000 | 449,229,000 |