Call reports 2025
BALLSTON SPA NATIONAL BANK — 2025
What BALLSTON SPA NATIONAL BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 898,639,000 | 912,610,000 | 914,207,000 | 928,503,000 |
| Total loans | 772,082,000 | 781,211,000 | 793,354,000 | 803,219,000 |
| Allowance for loan losses | 8,634,000 | 8,488,000 | 8,646,000 | 8,749,000 |
| Securities available for sale | 73,165,000 | 76,801,000 | 73,058,000 | 66,562,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 741,127,000 | 713,857,000 | 807,619,000 | 765,967,000 |
| Interest-bearing deposits | 594,489,000 | 564,889,000 | 629,192,000 | 616,697,000 |
| Noninterest-bearing deposits | 146,638,000 | 148,968,000 | 178,427,000 | 149,270,000 |
| Equity capital | 75,777,000 | 77,408,000 | 77,143,000 | 78,402,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 10,377,000 | 20,871,000 | 31,970,000 | 42,932,000 |
| Interest expense | 3,842,000 | 7,927,000 | 12,395,000 | 16,478,000 |
| Net interest income | 6,535,000 | 12,944,000 | 19,575,000 | 26,454,000 |
| Noninterest income | 850,000 | 1,821,000 | 2,856,000 | 4,304,000 |
| Noninterest expense | 5,514,000 | 11,097,000 | 16,996,000 | 24,049,000 |
| Provision for loan losses | 150,000 | 300,000 | 480,000 | 630,000 |
| Pretax income | 1,721,000 | 3,368,000 | 4,955,000 | 6,079,000 |
| Income tax | 305,000 | 595,000 | 851,000 | 1,065,000 |
| Net income | 1,416,000 | 2,773,000 | 4,104,000 | 5,014,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 74,819,000 | 76,156,000 | 75,690,000 | 76,603,000 |
| Total capital | 83,435,000 | 84,738,000 | 84,429,000 | 85,444,000 |
| Risk-weighted assets | 689,155,000 | 704,238,000 | 709,131,000 | 720,589,000 |