Call reports 2006
ADIRONDACK BANK — 2006
What ADIRONDACK BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 428,274,000 | 445,412,000 | 445,781,000 | 446,131,000 |
| Total loans | 269,106,000 | 285,455,000 | 286,723,000 | 293,341,000 |
| Allowance for loan losses | 2,615,000 | 2,749,000 | 2,871,000 | 2,802,000 |
| Securities available for sale | 114,416,000 | 116,792,000 | 114,634,000 | 110,795,000 |
| Securities held to maturity | 8,157,000 | 7,778,000 | 8,661,000 | 8,998,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 383,239,000 | 383,561,000 | 392,925,000 | 393,753,000 |
| Interest-bearing deposits | 315,547,000 | 307,851,000 | 321,339,000 | 325,156,000 |
| Noninterest-bearing deposits | 67,692,000 | 75,710,000 | 71,586,000 | 68,597,000 |
| Equity capital | 29,384,000 | 28,628,000 | 29,975,000 | 30,925,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 5,526,000 | 11,558,000 | 17,852,000 | 24,211,000 |
| Interest expense | 2,213,000 | 4,755,000 | 7,552,000 | 10,378,000 |
| Net interest income | 3,313,000 | 6,803,000 | 10,300,000 | 13,833,000 |
| Noninterest income | 685,000 | 1,377,000 | 2,084,000 | 2,770,000 |
| Noninterest expense | 3,563,000 | 7,165,000 | 10,824,000 | 14,541,000 |
| Provision for loan losses | 165,000 | 330,000 | 495,000 | 525,000 |
| Pretax income | 317,000 | 732,000 | 1,112,000 | 1,584,000 |
| Income tax | 25,000 | 52,000 | 58,000 | 15,000 |
| Net income | 292,000 | 680,000 | 1,054,000 | 1,434,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,186,000 | 28,185,000 | 28,310,000 | 29,277,000 |
| Total capital | 30,912,000 | 31,045,000 | 31,292,000 | 32,190,000 |
| Risk-weighted assets | 243,256,000 | 249,546,000 | 245,040,000 | 248,756,000 |