Call reports 2025
ADIRONDACK TRUST COMPANY, THE — 2025
What ADIRONDACK TRUST COMPANY, THE reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 1,643,685,000 | 1,596,813,000 | 1,730,701,000 | 1,785,369,000 |
| Total loans | 984,103,000 | 1,003,036,000 | 1,009,084,000 | 1,012,014,000 |
| Allowance for loan losses | 19,975,000 | 19,974,000 | 19,968,000 | 19,971,000 |
| Securities available for sale | 393,197,000 | 373,391,000 | 339,884,000 | 314,221,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,436,965,000 | 1,378,209,000 | 1,502,294,000 | 1,562,060,000 |
| Interest-bearing deposits | 1,060,829,000 | 988,468,000 | 1,091,888,000 | 1,166,415,000 |
| Noninterest-bearing deposits | 376,136,000 | 389,741,000 | 410,406,000 | 395,645,000 |
| Equity capital | 172,459,000 | 176,518,000 | 183,592,000 | 190,167,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 14,707,000 | 29,954,000 | 46,338,000 | 63,454,000 |
| Interest expense | 4,594,000 | 9,178,000 | 14,278,000 | 19,502,000 |
| Net interest income | 10,113,000 | 20,776,000 | 32,060,000 | 43,952,000 |
| Noninterest income | 8,221,000 | 15,488,000 | 23,492,000 | 31,302,000 |
| Noninterest expense | 15,201,000 | 28,445,000 | 41,862,000 | 55,576,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 3,133,000 | 7,819,000 | 13,690,000 | 19,678,000 |
| Income tax | 652,000 | 1,704,000 | 3,067,000 | 4,417,000 |
| Net income | 2,481,000 | 6,115,000 | 10,623,000 | 15,261,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 162,515,000 | 165,761,000 | 168,766,000 | 171,656,000 |
| Total capital | 175,667,000 | 179,139,000 | 182,079,000 | 184,834,000 |
| Risk-weighted assets | 1,044,651,000 | 1,062,938,000 | 1,057,718,000 | 1,046,732,000 |