Call reports 2022
ADIRONDACK TRUST COMPANY, THE — 2022
What ADIRONDACK TRUST COMPANY, THE reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 1,670,615,000 | 1,670,996,000 | 1,606,843,000 | 1,640,057,000 |
| Total loans | 829,678,000 | 843,088,000 | 889,210,000 | 901,988,000 |
| Allowance for loan losses | 20,776,000 | 20,723,000 | 20,727,000 | 20,698,000 |
| Securities available for sale | 550,895,000 | 535,560,000 | 507,045,000 | 473,431,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,507,903,000 | 1,512,836,000 | 1,458,771,000 | 1,484,704,000 |
| Interest-bearing deposits | 1,029,607,000 | 1,000,677,000 | 954,368,000 | 1,006,914,000 |
| Noninterest-bearing deposits | 478,296,000 | 512,158,000 | 504,403,000 | 477,790,000 |
| Equity capital | 132,658,000 | 125,762,000 | 117,573,000 | 126,421,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 10,300,000 | 21,524,000 | 33,643,000 | 45,930,000 |
| Interest expense | 248,000 | 509,000 | 975,000 | 2,100,000 |
| Net interest income | 10,052,000 | 21,015,000 | 32,668,000 | 43,830,000 |
| Noninterest income | 6,660,000 | 12,522,000 | 19,317,000 | 24,815,000 |
| Noninterest expense | 12,471,000 | 23,263,000 | 34,656,000 | 46,234,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 4,241,000 | 10,274,000 | 17,329,000 | 21,592,000 |
| Income tax | 1,005,000 | 2,473,000 | 4,187,000 | 5,066,000 |
| Net income | 3,236,000 | 7,801,000 | 13,142,000 | 16,526,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 141,468,000 | 144,187,000 | 149,718,000 | 151,147,000 |
| Total capital | 152,868,000 | 156,011,000 | 162,260,000 | 163,827,000 |
| Risk-weighted assets | 902,584,000 | 936,992,000 | 995,205,000 | 1,006,414,000 |