Call reports 2002
ADIRONDACK BANK — 2002
What ADIRONDACK BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 222,260,000 | 227,489,000 | 233,202,000 | 238,046,000 |
| Total loans | 143,964,000 | 139,979,000 | 141,903,000 | 146,913,000 |
| Allowance for loan losses | 1,878,000 | 1,989,000 | 2,008,000 | 2,045,000 |
| Securities available for sale | 58,684,000 | 61,739,000 | 65,531,000 | 56,263,000 |
| Securities held to maturity | 6,502,000 | 8,249,000 | 8,201,000 | 8,262,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 193,855,000 | 194,491,000 | 198,224,000 | 208,071,000 |
| Interest-bearing deposits | 161,527,000 | 160,030,000 | 160,546,000 | 171,484,000 |
| Noninterest-bearing deposits | 32,328,000 | 34,461,000 | 37,678,000 | 36,587,000 |
| Equity capital | 15,927,000 | 16,764,000 | 17,864,000 | 18,134,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,362,000 | 6,708,000 | 10,045,000 | 13,269,000 |
| Interest expense | 1,211,000 | 2,399,000 | 3,533,000 | 4,601,000 |
| Net interest income | 2,151,000 | 4,309,000 | 6,512,000 | 8,668,000 |
| Noninterest income | 392,000 | 741,000 | 1,158,000 | 1,593,000 |
| Noninterest expense | 1,845,000 | 3,681,000 | 5,585,000 | 7,722,000 |
| Provision for loan losses | 174,000 | 348,000 | 453,000 | 528,000 |
| Pretax income | 524,000 | 1,040,000 | 1,691,000 | 2,176,000 |
| Income tax | 147,000 | 290,000 | 469,000 | 485,000 |
| Net income | 377,000 | 750,000 | 1,222,000 | 1,691,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,831,000 | 16,066,000 | 16,593,000 | 16,993,000 |
| Total capital | 17,596,000 | 17,832,000 | 18,441,000 | 18,889,000 |
| Risk-weighted assets | 139,184,000 | 141,071,000 | 145,318,000 | 149,277,000 |
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