Call reports 2019
ADIRONDACK TRUST COMPANY, THE — 2019
What ADIRONDACK TRUST COMPANY, THE reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 1,168,012,000 | 1,191,632,000 | 1,204,350,000 | 1,237,461,000 |
| Total loans | 758,587,000 | 756,788,000 | 760,184,000 | 774,393,000 |
| Allowance for loan losses | 11,717,000 | 11,933,000 | 12,285,000 | 12,216,000 |
| Securities available for sale | 240,729,000 | 259,711,000 | 265,043,000 | 264,407,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,017,877,000 | 1,034,590,000 | 1,040,057,000 | 1,076,879,000 |
| Interest-bearing deposits | 705,158,000 | 684,027,000 | 720,570,000 | 725,358,000 |
| Noninterest-bearing deposits | 312,719,000 | 350,563,000 | 319,487,000 | 351,521,000 |
| Equity capital | 125,587,000 | 128,886,000 | 133,023,000 | 133,675,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 9,892,000 | 20,355,000 | 30,934,000 | 41,434,000 |
| Interest expense | 653,000 | 1,380,000 | 2,229,000 | 3,135,000 |
| Net interest income | 9,239,000 | 18,975,000 | 28,705,000 | 38,299,000 |
| Noninterest income | 5,639,000 | 11,343,000 | 17,134,000 | 21,979,000 |
| Noninterest expense | 11,032,000 | 21,212,000 | 31,958,000 | 42,797,000 |
| Provision for loan losses | 250,000 | 500,000 | 750,000 | 750,000 |
| Pretax income | 3,385,000 | 8,393,000 | 12,920,000 | 16,519,000 |
| Income tax | 747,000 | 1,905,000 | 2,928,000 | 3,758,000 |
| Net income | 2,638,000 | 6,488,000 | 9,992,000 | 12,761,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 113,508,000 | 115,589,000 | 119,301,000 | 121,659,000 |
| Total capital | 123,825,000 | 125,955,000 | 129,781,000 | 132,328,000 |
| Risk-weighted assets | 823,999,000 | 827,714,000 | 836,585,000 | 851,966,000 |