Call reports 2021
BALLSTON SPA NATIONAL BANK — 2021
What BALLSTON SPA NATIONAL BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 725,224,000 | 696,781,000 | 760,631,000 | 765,893,000 |
| Total loans | 518,904,000 | 533,063,000 | 528,838,000 | 533,021,000 |
| Allowance for loan losses | 7,565,000 | 7,772,000 | 7,927,000 | 8,081,000 |
| Securities available for sale | 67,915,000 | 72,392,000 | 77,923,000 | 70,889,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 643,564,000 | 615,295,000 | 681,116,000 | 684,827,000 |
| Interest-bearing deposits | 485,193,000 | 461,012,000 | 505,057,000 | 522,950,000 |
| Noninterest-bearing deposits | 158,370,000 | 154,283,000 | 176,059,000 | 161,877,000 |
| Equity capital | 57,348,000 | 58,330,000 | 59,464,000 | 60,741,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 5,707,000 | 11,468,000 | 17,273,000 | 22,888,000 |
| Interest expense | 339,000 | 673,000 | 959,000 | 1,262,000 |
| Net interest income | 5,368,000 | 10,795,000 | 16,314,000 | 21,626,000 |
| Noninterest income | 897,000 | 1,738,000 | 3,536,000 | 4,448,000 |
| Noninterest expense | 4,573,000 | 9,081,000 | 13,831,000 | 18,687,000 |
| Provision for loan losses | 213,000 | 426,000 | 606,000 | 756,000 |
| Pretax income | 1,479,000 | 3,026,000 | 5,413,000 | 6,631,000 |
| Income tax | 288,000 | 669,000 | 1,407,000 | 1,557,000 |
| Net income | 1,191,000 | 2,357,000 | 4,006,000 | 5,074,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,353,000 | 59,276,000 | 60,527,000 | 61,237,000 |
| Total capital | 64,410,000 | 65,406,000 | 66,678,000 | 67,419,000 |
| Risk-weighted assets | 482,953,000 | 488,701,000 | 490,191,000 | 492,508,000 |