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Cash Flow
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Balance Sheet
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Income Overview
Net Income
-$711K
Unit: Thousand (K) dollars
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Page 1
Quarterly
123
Page 1
Income Statement
2026-06-30
2026-03-31
Non-interest income (in scope of topic 606)-Service Charges On Deposit Accounts
235
149
Non-interest income (in scope of topic 606)-Administrative Service
403
383
Non-interest income (in scope of topic 606)-Debit Card
445
180
Non-interest income (in scope of topic 606)-Financial Service Other
463
80
Gain on sale/servicing of loans
111
155
Earnings on bank-owned life insurance
43
42
Total non-interest income
1,700
989
Loans, including fees
15,371
9,984
Taxable investment securities
1,210
703
Tax exempt investment securities
200
22
Fhlb and frb stock
198
189
Short-term investments
328
44
Total interest and fee income
17,307
10,942
Deposits
5,611
3,648
Fhlb borrowings, short-term
-
157
Fhlb borrowings, long-term
262
201
Junior subordinated debentures
718
148
Total interest expense
6,591
4,154
Net interest income
10,716
6,788
Provision for credit losses
-
180
Net interest income after provision
10,716
6,608
Compensation and benefits
5,650
3,932
Occupancy and equipment
1,124
843
Fdic and occ assessment
299
249
Advertising and public relations
163
150
Legal and professional fees
303
257
Merger expenses
3,864
749
Data processing
488
229
Debit card processing
319
137
Other
1,322
574
Total non-interest expense
13,532
7,120
Income before income tax expense
-1,116
477
Income tax expense
-405
233
Net (loss) income
-711
244
Basic EPS
-0.65
0.33
Basic Average Shares
1,100,071
742,663
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Income Statement
Loans, including fees
$15,371K
Taxable investment
securities
$1,210K
Short-term investments
$328K
Tax exempt
investment securities
$200K
Fhlb and frb stock
$198K
Total interest and fee
income
$17,307K
Net (loss) income
-$711K
Income tax expense
-$405K
Net interest income
$10,716K
Non-interest income (in scope
of topic...
$463K
Non-interest income (in scope
of topic...
$445K
Non-interest income (in scope
of topic...
$403K
Non-interest income (in scope
of topic...
$235K
Gain on
sale/servicing of loans
$111K
Earnings on bank-owned
life insurance
$43K
Total interest
expense
$6,591K
Income before income
tax expense
-$1,116K
Net interest income
after provision
$10,716K
Total non-interest
income
$1,700K
Deposits
$5,611K
Junior subordinated
debentures
$718K
Fhlb borrowings,
long-term
$262K
Total non-interest
expense
$13,532K
Compensation and benefits
$5,650K
Merger expenses
$3,864K
Other
$1,322K
Occupancy and equipment
$1,124K
Data processing
$488K
Debit card processing
$319K
Legal and
professional fees
$303K
Fdic and occ
assessment
$299K
Advertising and public
relations
$163K
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Ballston Spa Bancorp, Inc. (BSPA)
Ballston Spa Bancorp, Inc. (BSPA)