Call reports 2020
BALLSTON SPA NATIONAL BANK — 2020
What BALLSTON SPA NATIONAL BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 623,461,000 | 638,536,000 | 667,311,000 | 687,274,000 |
| Total loans | 479,720,000 | 505,613,000 | 507,549,000 | 510,248,000 |
| Allowance for loan losses | 6,346,000 | 6,660,000 | 7,000,000 | 7,374,000 |
| Securities available for sale | 72,266,000 | 69,063,000 | 65,559,000 | 68,132,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 549,454,000 | 560,968,000 | 587,910,000 | 605,848,000 |
| Interest-bearing deposits | 402,012,000 | 403,012,000 | 437,728,000 | 460,368,000 |
| Noninterest-bearing deposits | 147,441,000 | 157,956,000 | 150,182,000 | 145,481,000 |
| Equity capital | 52,647,000 | 54,132,000 | 55,321,000 | 56,605,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 5,791,000 | 11,454,000 | 17,132,000 | 23,053,000 |
| Interest expense | 911,000 | 1,490,000 | 1,904,000 | 2,295,000 |
| Net interest income | 4,880,000 | 9,964,000 | 15,228,000 | 20,758,000 |
| Noninterest income | 742,000 | 1,826,000 | 3,066,000 | 4,401,000 |
| Noninterest expense | 4,070,000 | 8,359,000 | 12,971,000 | 17,967,000 |
| Provision for loan losses | 141,000 | 483,000 | 825,000 | 1,167,000 |
| Pretax income | 1,411,000 | 2,948,000 | 4,499,000 | 6,026,000 |
| Income tax | 237,000 | 551,000 | 846,000 | 1,044,000 |
| Net income | 1,174,000 | 2,397,000 | 3,653,000 | 4,982,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,308,000 | 55,529,000 | 56,633,000 | 57,562,000 |
| Total capital | 60,027,000 | 61,241,000 | 62,454,000 | 63,582,000 |
| Risk-weighted assets | 456,828,000 | 455,833,000 | 464,407,000 | 480,276,000 |