Call reports 2001
ADIRONDACK BANK — 2001
What ADIRONDACK BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 187,602,000 | 189,939,000 | 205,226,000 | 212,846,000 |
| Total loans | 124,738,000 | 130,306,000 | 133,021,000 | 141,575,000 |
| Allowance for loan losses | 1,592,000 | 1,541,000 | 1,541,000 | 1,677,000 |
| Securities available for sale | 42,000,000 | 44,771,000 | 54,616,000 | 52,844,000 |
| Securities held to maturity | 6,202,000 | 4,066,000 | 3,908,000 | 6,468,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 172,892,000 | 168,948,000 | 183,136,000 | 182,967,000 |
| Interest-bearing deposits | 143,879,000 | 141,100,000 | 149,528,000 | 149,808,000 |
| Noninterest-bearing deposits | 29,013,000 | 27,848,000 | 33,608,000 | 33,159,000 |
| Equity capital | 12,559,000 | 12,747,000 | 15,901,000 | 15,570,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 3,594,000 | 7,042,000 | 10,499,000 | 13,981,000 |
| Interest expense | 1,718,000 | 3,321,000 | 4,856,000 | 6,223,000 |
| Net interest income | 1,876,000 | 3,721,000 | 5,643,000 | 7,758,000 |
| Noninterest income | 289,000 | 583,000 | 962,000 | 1,349,000 |
| Noninterest expense | 1,604,000 | 3,287,000 | 5,150,000 | 7,013,000 |
| Provision for loan losses | 102,000 | 204,000 | 306,000 | 532,000 |
| Pretax income | 531,000 | 875,000 | 1,361,000 | 1,877,000 |
| Income tax | 148,000 | 246,000 | 392,000 | 521,000 |
| Net income | 383,000 | 629,000 | 969,000 | 1,356,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,131,000 | 12,316,000 | 15,169,000 | 15,473,000 |
| Total capital | 13,614,000 | 13,857,000 | 16,710,000 | 17,149,000 |
| Risk-weighted assets | 118,562,000 | 123,891,000 | 126,921,000 | 135,087,000 |