Call reports 2015
ADIRONDACK TRUST COMPANY, THE — 2015
What ADIRONDACK TRUST COMPANY, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 1,056,468,000 | 1,025,595,000 | 1,082,769,000 | 1,111,173,000 |
| Total loans | 624,808,000 | 624,397,000 | 617,511,000 | 640,032,000 |
| Allowance for loan losses | 9,371,000 | 9,354,000 | 9,251,000 | 9,360,000 |
| Securities available for sale | 225,837,000 | 280,699,000 | 277,355,000 | 323,305,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 925,025,000 | 893,329,000 | 946,620,000 | 976,452,000 |
| Interest-bearing deposits | 706,714,000 | 675,209,000 | 690,151,000 | 697,874,000 |
| Noninterest-bearing deposits | 218,311,000 | 218,120,000 | 256,469,000 | 278,578,000 |
| Equity capital | 109,016,000 | 108,438,000 | 110,690,000 | 108,507,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 7,018,000 | 14,052,000 | 21,201,000 | 28,154,000 |
| Interest expense | 321,000 | 637,000 | 959,000 | 1,287,000 |
| Net interest income | 6,697,000 | 13,415,000 | 20,242,000 | 26,867,000 |
| Noninterest income | 5,296,000 | 10,520,000 | 15,258,000 | 19,934,000 |
| Noninterest expense | 9,703,000 | 18,975,000 | 28,442,000 | 38,403,000 |
| Provision for loan losses | 0 | 0 | 0 | 250,000 |
| Pretax income | 2,290,000 | 4,969,000 | 7,067,000 | 8,157,000 |
| Income tax | 705,000 | 1,470,000 | 1,983,000 | 2,295,000 |
| Net income | 1,585,000 | 3,499,000 | 5,084,000 | 5,862,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 98,960,000 | 99,069,000 | 100,349,000 | 99,295,000 |
| Total capital | 107,090,000 | 107,343,000 | 108,963,000 | 108,247,000 |
| Risk-weighted assets | 650,401,000 | 660,857,000 | 688,500,000 | 715,759,000 |