Call reports 2014
ADIRONDACK TRUST COMPANY, THE — 2014
What ADIRONDACK TRUST COMPANY, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 1,020,693,000 | 988,233,000 | 1,008,861,000 | 1,033,681,000 |
| Total loans | 591,480,000 | 608,758,000 | 615,845,000 | 623,358,000 |
| Allowance for loan losses | 9,060,000 | 9,069,000 | 9,036,000 | 9,338,000 |
| Securities available for sale | 289,824,000 | 259,724,000 | 252,925,000 | 233,666,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 890,041,000 | 853,320,000 | 873,689,000 | 904,293,000 |
| Interest-bearing deposits | 706,161,000 | 667,301,000 | 660,541,000 | 676,471,000 |
| Noninterest-bearing deposits | 183,880,000 | 186,019,000 | 213,148,000 | 227,822,000 |
| Equity capital | 110,693,000 | 111,241,000 | 113,052,000 | 107,370,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 6,911,000 | 13,942,000 | 21,095,000 | 28,200,000 |
| Interest expense | 334,000 | 662,000 | 997,000 | 1,322,000 |
| Net interest income | 6,577,000 | 13,280,000 | 20,098,000 | 26,878,000 |
| Noninterest income | 4,773,000 | 9,926,000 | 14,933,000 | 18,874,000 |
| Noninterest expense | 9,336,000 | 17,862,000 | 26,775,000 | 38,898,000 |
| Provision for loan losses | 250,000 | 250,000 | 250,000 | 750,000 |
| Pretax income | 1,764,000 | 5,178,000 | 8,120,000 | 6,246,000 |
| Income tax | 441,000 | 1,533,000 | 2,444,000 | 1,485,000 |
| Net income | 1,323,000 | 3,645,000 | 5,676,000 | 4,761,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 93,673,000 | 94,273,000 | 96,532,000 | 93,912,000 |
| Total capital | 101,452,000 | 102,235,000 | 104,548,000 | 101,978,000 |
| Risk-weighted assets | 621,067,000 | 635,817,000 | 640,538,000 | 643,971,000 |
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