Call reports 2004
ADIRONDACK BANK — 2004
What ADIRONDACK BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 294,064,000 | 306,151,000 | 328,916,000 | 377,382,000 |
| Total loans | 182,197,000 | 180,284,000 | 184,307,000 | 197,816,000 |
| Allowance for loan losses | 2,269,000 | 2,132,000 | 2,128,000 | 2,240,000 |
| Securities available for sale | 83,422,000 | 93,699,000 | 114,284,000 | 146,993,000 |
| Securities held to maturity | 6,485,000 | 8,464,000 | 6,129,000 | 7,094,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 250,932,000 | 266,659,000 | 284,486,000 | 330,846,000 |
| Interest-bearing deposits | 203,397,000 | 209,911,000 | 228,339,000 | 264,973,000 |
| Noninterest-bearing deposits | 47,535,000 | 56,748,000 | 56,147,000 | 65,873,000 |
| Equity capital | 24,487,000 | 22,813,000 | 24,381,000 | 30,645,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,458,000 | 6,918,000 | 10,614,000 | 14,716,000 |
| Interest expense | 925,000 | 1,849,000 | 2,880,000 | 3,989,000 |
| Net interest income | 2,533,000 | 5,069,000 | 7,734,000 | 10,727,000 |
| Noninterest income | 417,000 | 1,122,000 | 1,565,000 | 2,116,000 |
| Noninterest expense | 2,628,000 | 5,225,000 | 7,991,000 | 11,173,000 |
| Provision for loan losses | 165,000 | 315,000 | 460,000 | 595,000 |
| Pretax income | 466,000 | 960,000 | 1,463,000 | 1,690,000 |
| Income tax | 106,000 | 199,000 | 297,000 | 159,000 |
| Net income | 360,000 | 761,000 | 1,166,000 | 1,531,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,431,000 | 23,548,000 | 23,844,000 | 26,784,000 |
| Total capital | 25,659,000 | 25,750,000 | 26,052,000 | 29,104,000 |
| Risk-weighted assets | 178,171,000 | 183,640,000 | 187,408,000 | 207,520,000 |