Call reports 2011
ADIRONDACK TRUST COMPANY, THE — 2011
What ADIRONDACK TRUST COMPANY, THE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 926,056,000 | 898,321,000 | 932,655,000 | 909,063,000 |
| Total loans | 450,633,000 | 453,324,000 | 456,830,000 | 472,351,000 |
| Allowance for loan losses | 9,502,000 | 9,657,000 | 9,957,000 | 9,258,000 |
| Securities available for sale | 305,635,000 | 255,110,000 | 255,595,000 | 249,205,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 813,183,000 | 782,558,000 | 812,599,000 | 791,512,000 |
| Interest-bearing deposits | 678,995,000 | 638,580,000 | 654,563,000 | 623,720,000 |
| Noninterest-bearing deposits | 134,188,000 | 143,978,000 | 158,036,000 | 167,792,000 |
| Equity capital | 95,297,000 | 97,909,000 | 101,647,000 | 100,639,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 7,510,000 | 14,976,000 | 22,354,000 | 29,862,000 |
| Interest expense | 1,069,000 | 2,051,000 | 2,980,000 | 3,766,000 |
| Net interest income | 6,441,000 | 12,925,000 | 19,374,000 | 26,096,000 |
| Noninterest income | 4,036,000 | 8,760,000 | 13,463,000 | 17,435,000 |
| Noninterest expense | 9,044,000 | 17,604,000 | 26,349,000 | 34,357,000 |
| Provision for loan losses | 250,000 | 500,000 | 750,000 | 220,000 |
| Pretax income | 2,696,000 | 6,109,000 | 9,696,000 | 13,038,000 |
| Income tax | 686,000 | 1,652,000 | 2,700,000 | 3,641,000 |
| Net income | 2,010,000 | 4,457,000 | 6,996,000 | 9,397,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 77,375,000 | 78,185,000 | 81,146,000 | 81,849,000 |
| Total capital | 83,189,000 | 83,955,000 | 87,091,000 | 87,993,000 |
| Risk-weighted assets | 461,407,000 | 457,724,000 | 471,571,000 | 488,412,000 |
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