Call reports 2007
ADIRONDACK TRUST COMPANY, THE — 2007
What ADIRONDACK TRUST COMPANY, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 697,108,000 | 686,570,000 | 712,578,000 | 717,525,000 |
| Total loans | 388,229,000 | 393,229,000 | 389,175,000 | 399,729,000 |
| Allowance for loan losses | 9,167,000 | 9,109,000 | 9,100,000 | 8,491,000 |
| Securities available for sale | 200,568,000 | 187,842,000 | 255,109,000 | 262,330,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 616,949,000 | 604,584,000 | 629,894,000 | 632,292,000 |
| Interest-bearing deposits | 505,276,000 | 493,388,000 | 515,993,000 | 514,436,000 |
| Noninterest-bearing deposits | 111,673,000 | 111,196,000 | 113,901,000 | 117,856,000 |
| Equity capital | 76,412,000 | 75,452,000 | 78,534,000 | 77,210,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 9,590,000 | 19,296,000 | 29,476,000 | 39,743,000 |
| Interest expense | 3,566,000 | 7,199,000 | 11,034,000 | 14,884,000 |
| Net interest income | 6,024,000 | 12,097,000 | 18,442,000 | 24,859,000 |
| Noninterest income | 2,526,000 | 4,764,000 | 7,034,000 | 9,471,000 |
| Noninterest expense | 5,536,000 | 11,056,000 | 17,051,000 | 23,528,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 3,014,000 | 5,805,000 | 8,461,000 | 11,805,000 |
| Income tax | 821,000 | 1,556,000 | 2,210,000 | 3,196,000 |
| Net income | 2,193,000 | 4,249,000 | 6,251,000 | 8,609,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 71,907,000 | 71,471,000 | 73,503,000 | 73,335,000 |
| Total capital | 77,160,000 | 76,739,000 | 78,623,000 | 78,417,000 |
| Risk-weighted assets | 416,316,000 | 419,462,000 | 405,600,000 | 403,162,000 |
Machine access — free, no API key
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