Call reports 2023
BALLSTON SPA NATIONAL BANK — 2023
What BALLSTON SPA NATIONAL BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 765,513,000 | 798,423,000 | 902,110,000 | 821,261,000 |
| Total loans | 645,181,000 | 670,971,000 | 684,040,000 | 708,869,000 |
| Allowance for loan losses | 7,758,000 | 7,853,000 | 7,953,000 | 8,076,000 |
| Securities available for sale | 80,370,000 | 73,851,000 | 66,952,000 | 63,735,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 665,633,000 | 624,527,000 | 798,928,000 | 689,578,000 |
| Interest-bearing deposits | 492,518,000 | 440,794,000 | 538,125,000 | 482,370,000 |
| Noninterest-bearing deposits | 173,115,000 | 183,733,000 | 260,803,000 | 207,208,000 |
| Equity capital | 65,780,000 | 61,733,000 | 62,434,000 | 67,676,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 7,566,000 | 15,569,000 | 24,322,000 | 34,185,000 |
| Interest expense | 1,468,000 | 3,604,000 | 6,485,000 | 10,203,000 |
| Net interest income | 6,098,000 | 11,965,000 | 17,837,000 | 23,982,000 |
| Noninterest income | 784,000 | 1,646,000 | 2,414,000 | 3,394,000 |
| Noninterest expense | 4,914,000 | 9,808,000 | 14,711,000 | 19,800,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 480,000 |
| Pretax income | 1,805,000 | 3,520,000 | 5,125,000 | 5,738,000 |
| Income tax | 355,000 | 699,000 | 1,007,000 | 881,000 |
| Net income | 1,450,000 | 2,821,000 | 4,118,000 | 4,857,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 67,878,000 | 64,094,000 | 65,145,000 | 67,635,000 |
| Total capital | 75,221,000 | 71,700,000 | 72,888,000 | 75,553,000 |
| Risk-weighted assets | 586,963,000 | 608,168,000 | 619,115,000 | 633,187,000 |
Machine access — free, no API key
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