Call reports 2010
ADIRONDACK TRUST COMPANY, THE — 2010
What ADIRONDACK TRUST COMPANY, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 856,809,000 | 819,494,000 | 894,512,000 | 882,552,000 |
| Total loans | 428,256,000 | 440,928,000 | 441,197,000 | 446,324,000 |
| Allowance for loan losses | 8,635,000 | 9,019,000 | 9,228,000 | 9,258,000 |
| Securities available for sale | 324,134,000 | 280,095,000 | 308,606,000 | 306,235,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 754,274,000 | 710,143,000 | 780,002,000 | 772,910,000 |
| Interest-bearing deposits | 636,285,000 | 588,313,000 | 648,228,000 | 645,208,000 |
| Noninterest-bearing deposits | 117,989,000 | 121,830,000 | 131,774,000 | 127,702,000 |
| Equity capital | 90,173,000 | 93,310,000 | 97,526,000 | 94,122,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 8,604,000 | 16,390,000 | 24,663,000 | 32,407,000 |
| Interest expense | 1,025,000 | 1,974,000 | 2,993,000 | 4,091,000 |
| Net interest income | 7,579,000 | 14,416,000 | 21,670,000 | 28,316,000 |
| Noninterest income | 3,582,000 | 7,319,000 | 11,936,000 | 16,048,000 |
| Noninterest expense | 7,825,000 | 15,783,000 | 23,898,000 | 32,413,000 |
| Provision for loan losses | 250,000 | 500,000 | 750,000 | 1,000,000 |
| Pretax income | 3,427,000 | 5,993,000 | 10,006,000 | 12,735,000 |
| Income tax | 946,000 | 1,568,000 | 2,757,000 | 3,456,000 |
| Net income | 2,481,000 | 4,425,000 | 7,249,000 | 9,279,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 71,433,000 | 71,892,000 | 74,833,000 | 75,650,000 |
| Total capital | 77,053,000 | 77,645,000 | 80,558,000 | 81,362,000 |
| Risk-weighted assets | 446,550,000 | 457,006,000 | 454,481,000 | 453,437,000 |
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