Ballston Spa National Bank

Ballston Spa National Bank is headquartered in Ballston Spa and is the 97^th largest bank in the state of New York. It is also the 1,703^rd largest bank in the nation. It was established in 1838 and as of December of 2011, it had grown to 112 employees at 10 locations. Ballston Spa National Bank has a 3-star health rating.

Ballston Spa National Bank Routing Number: 021304675

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Data for Q4 2011

Institution Statistics Ballston Spa National Bank FDIC Certificate # 6959 BankRate Report View Year Established 1838 Employees 112 Primary Regulator OCC Assets and Liabilities Assets $387.57 million Loans $234.59 million Deposits $308.57 million Equity Capital $30.28 million Loan Loss Allowance $3.90 million Unbacked Noncurrent Loans $7.67 million Real Estate Owned $346,000 Historic Data - December 2010 Assets $385.35 million Equity Capital $29.04 million Loan Loss Allowance $4.60 million Unbacked Noncurrent Loans $5.83 million Real Estate Owned $736,000 Profit Margin - Quarterly Net Interest Margin 3.33% Return on Assets 0.58% Return on Equity 7.73% Interest Income $15.53 million

Institution Health Overall Score: 3 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Ballston Spa National Bank had $8.02 million in non-current loans and owned real-estate with $34.18 million in equity and loan loss allowances on hand to cover it. This gives Ballston Spa National Bank a Texas Ratio of 23.46% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Ballston Spa National Bank held steady from 18.99% as of December 31, 2010 to 23.46% as of December 31, 2011, resulting in a negative change of 23.56%. This indicates that the balance sheet and financial strength for Ballston Spa National Bank has held steady in recent periods. Deposit Growth In the past year, Ballston Spa National Bank has increased its total deposits by $755,000, resulting in 0.25% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Ballston Spa National Bank has shown is average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Ballston Spa National Bank has $387.57 million in assets with $34.18 million in equity, resulting in a capitalization level of 8.82%, which is average.

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