Call reports 2012
ADIRONDACK TRUST COMPANY, THE — 2012
What ADIRONDACK TRUST COMPANY, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 940,735,000 | 954,123,000 | 975,164,000 | 1,016,311,000 |
| Total loans | 474,590,000 | 474,333,000 | 482,830,000 | 504,295,000 |
| Allowance for loan losses | 9,522,000 | 9,203,000 | 9,331,000 | 8,944,000 |
| Securities available for sale | 268,105,000 | 255,072,000 | 281,355,000 | 262,054,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 821,436,000 | 831,517,000 | 849,987,000 | 894,745,000 |
| Interest-bearing deposits | 669,045,000 | 668,907,000 | 666,848,000 | 663,184,000 |
| Noninterest-bearing deposits | 152,391,000 | 162,610,000 | 183,139,000 | 231,561,000 |
| Equity capital | 101,082,000 | 101,999,000 | 104,892,000 | 103,247,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 7,344,000 | 14,511,000 | 21,556,000 | 28,527,000 |
| Interest expense | 690,000 | 1,345,000 | 1,967,000 | 2,489,000 |
| Net interest income | 6,654,000 | 13,166,000 | 19,589,000 | 26,038,000 |
| Noninterest income | 4,404,000 | 9,435,000 | 15,111,000 | 20,139,000 |
| Noninterest expense | 9,522,000 | 18,054,000 | 26,719,000 | 36,070,000 |
| Provision for loan losses | 125,000 | 250,000 | 375,000 | 0 |
| Pretax income | 1,411,000 | 4,297,000 | 7,631,000 | 12,873,000 |
| Income tax | 200,000 | 972,000 | 1,937,000 | 3,405,000 |
| Net income | 1,211,000 | 3,325,000 | 5,694,000 | 9,468,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 82,890,000 | 83,498,000 | 86,090,000 | 88,192,000 |
| Total capital | 89,123,000 | 89,756,000 | 92,463,000 | 94,742,000 |
| Risk-weighted assets | 495,354,000 | 497,704,000 | 506,905,000 | 521,597,000 |
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