BALLSTON SPA BANCORP, INC. Financial Reports

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:· BALLSTON SPA BANCORP, INC.

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Off Balance Sheet
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BALLSTON SPA BANCORP, INC.

Institution Profile

Year Opened :

1983

Institution Type :

Holding Company

Reserve District :

New York

Federal Regulator :

FED

Entity Type :

Financial Holding Company - Domestic

Fiscal Year End :

12/31

Structure :

Corporation (stock)

S-Corp :

External Auditor :

Crowe LLP

Related Bank / Thrift	Assets	Asset Concentration
Ballston Spa National Bank	877,039	Commercial Lending Specialization

Financial Fast Facts
Balance Sheet (USD, in thousands)		Income Statement (USD, in thousands, ytd)

Total Assets	72,492	Total Operating Income	1,069
Total Liabilities	7,995	Total Operating Expenses	952
Total Equity Capital	64,497	Equity in Undistributed Income	5,234
		Net income (loss)	5,357

Miscellaneous
Cash Dividends Declared by Bank Holding Company	980
Total Consolidated Assets of Bank Holding Company	898,116

Source of Data: FDIC, FRB, NCUA, OCC, SEC, U.S. Department of the Treasury