Call reports 2013
ADIRONDACK TRUST COMPANY, THE — 2013
What ADIRONDACK TRUST COMPANY, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 1,036,612,000 | 1,000,745,000 | 1,018,327,000 | 991,604,000 |
| Total loans | 516,220,000 | 539,010,000 | 547,799,000 | 567,564,000 |
| Allowance for loan losses | 8,935,000 | 8,938,000 | 8,901,000 | 8,868,000 |
| Securities available for sale | 288,405,000 | 309,938,000 | 307,795,000 | 295,855,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 914,804,000 | 877,968,000 | 892,627,000 | 861,572,000 |
| Interest-bearing deposits | 696,273,000 | 674,064,000 | 667,319,000 | 657,371,000 |
| Noninterest-bearing deposits | 218,531,000 | 203,904,000 | 225,308,000 | 204,201,000 |
| Equity capital | 104,468,000 | 103,495,000 | 105,461,000 | 109,351,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 6,744,000 | 13,625,000 | 20,637,000 | 27,865,000 |
| Interest expense | 402,000 | 778,000 | 1,142,000 | 1,477,000 |
| Net interest income | 6,342,000 | 12,847,000 | 19,495,000 | 26,388,000 |
| Noninterest income | 4,935,000 | 10,203,000 | 15,165,000 | 19,735,000 |
| Noninterest expense | 9,721,000 | 18,460,000 | 27,586,000 | 35,816,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,589,000 | 4,651,000 | 7,135,000 | 10,368,000 |
| Income tax | 368,000 | 1,319,000 | 2,013,000 | 2,982,000 |
| Net income | 1,221,000 | 3,332,000 | 5,122,000 | 7,386,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 89,121,000 | 89,549,000 | 91,565,000 | 92,123,000 |
| Total capital | 95,954,000 | 96,706,000 | 98,748,000 | 99,635,000 |
| Risk-weighted assets | 544,525,000 | 570,744,000 | 572,932,000 | 599,598,000 |
Machine access — free, no API key
Every figure shown here about ADIRONDACK TRUST COMPANY, THE — 2013 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.