Call reports 2005
ADIRONDACK BANK — 2005
What ADIRONDACK BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 382,848,000 | 388,291,000 | 382,791,000 | 409,004,000 |
| Total loans | 202,554,000 | 215,140,000 | 229,866,000 | 249,155,000 |
| Allowance for loan losses | 2,301,000 | 2,378,000 | 2,494,000 | 2,454,000 |
| Securities available for sale | 139,409,000 | 124,496,000 | 112,712,000 | 116,404,000 |
| Securities held to maturity | 8,021,000 | 10,194,000 | 7,337,000 | 7,894,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 342,436,000 | 331,612,000 | 341,593,000 | 356,836,000 |
| Interest-bearing deposits | 276,135,000 | 269,245,000 | 273,601,000 | 287,922,000 |
| Noninterest-bearing deposits | 66,301,000 | 62,367,000 | 67,992,000 | 68,914,000 |
| Equity capital | 29,292,000 | 30,575,000 | 30,124,000 | 29,557,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 4,503,000 | 9,282,000 | 14,127,000 | 19,214,000 |
| Interest expense | 1,311,000 | 2,860,000 | 4,403,000 | 6,195,000 |
| Net interest income | 3,192,000 | 6,422,000 | 9,724,000 | 13,019,000 |
| Noninterest income | 608,000 | 1,291,000 | 1,939,000 | 2,704,000 |
| Noninterest expense | 3,337,000 | 6,813,000 | 10,320,000 | 13,880,000 |
| Provision for loan losses | 129,000 | 229,000 | 349,000 | 469,000 |
| Pretax income | 307,000 | 873,000 | 1,190,000 | 1,570,000 |
| Income tax | 55,000 | 124,000 | 151,000 | 58,000 |
| Net income | 252,000 | 749,000 | 1,039,000 | 1,512,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,129,000 | 27,373,000 | 27,495,000 | 27,828,000 |
| Total capital | 29,531,000 | 29,852,000 | 30,100,000 | 30,393,000 |
| Risk-weighted assets | 211,731,000 | 215,252,000 | 220,100,000 | 229,868,000 |