Call reports 2022
BALLSTON SPA NATIONAL BANK — 2022
What BALLSTON SPA NATIONAL BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 802,458,000 | 734,047,000 | 779,553,000 | 753,438,000 |
| Total loans | 542,258,000 | 580,667,000 | 594,973,000 | 627,647,000 |
| Allowance for loan losses | 8,186,000 | 8,285,000 | 8,409,000 | 8,347,000 |
| Securities available for sale | 81,277,000 | 71,230,000 | 73,072,000 | 81,436,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 723,353,000 | 653,128,000 | 699,174,000 | 657,954,000 |
| Interest-bearing deposits | 555,527,000 | 483,180,000 | 508,049,000 | 490,748,000 |
| Noninterest-bearing deposits | 167,826,000 | 169,948,000 | 191,125,000 | 167,206,000 |
| Equity capital | 60,425,000 | 61,757,000 | 61,482,000 | 63,635,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 5,538,000 | 11,654,000 | 18,131,000 | 25,594,000 |
| Interest expense | 287,000 | 542,000 | 917,000 | 2,005,000 |
| Net interest income | 5,251,000 | 11,112,000 | 17,214,000 | 23,589,000 |
| Noninterest income | 748,000 | 2,251,000 | 3,449,000 | 3,811,000 |
| Noninterest expense | 4,287,000 | 8,758,000 | 13,273,000 | 18,410,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 360,000 |
| Pretax income | 1,592,000 | 3,658,000 | 5,898,000 | 7,498,000 |
| Income tax | 317,000 | 672,000 | 1,074,000 | 1,162,000 |
| Net income | 1,275,000 | 2,986,000 | 4,824,000 | 6,336,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,114,000 | 63,826,000 | 65,306,000 | 66,377,000 |
| Total capital | 68,401,000 | 70,563,000 | 72,245,000 | 73,598,000 |
| Risk-weighted assets | 500,938,000 | 537,354,000 | 553,535,000 | 576,460,000 |