Call reports 2009
ADIRONDACK BANK — 2009
What ADIRONDACK BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 525,366,000 | 527,860,000 | 508,682,000 | 497,593,000 |
| Total loans | 317,469,000 | 320,595,000 | 317,824,000 | 312,962,000 |
| Allowance for loan losses | 2,552,000 | 2,804,000 | 2,819,000 | 2,993,000 |
| Securities available for sale | 153,164,000 | 143,634,000 | 140,756,000 | 130,935,000 |
| Securities held to maturity | 9,364,000 | 9,034,000 | 5,335,000 | 5,438,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 438,887,000 | 444,979,000 | 411,827,000 | 407,157,000 |
| Interest-bearing deposits | 364,076,000 | 362,827,000 | 326,249,000 | 324,141,000 |
| Noninterest-bearing deposits | 74,811,000 | 82,152,000 | 85,578,000 | 83,016,000 |
| Equity capital | 35,827,000 | 36,256,000 | 38,089,000 | 38,800,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 6,444,000 | 12,868,000 | 19,096,000 | 25,057,000 |
| Interest expense | 1,718,000 | 3,239,000 | 4,586,000 | 5,764,000 |
| Net interest income | 4,726,000 | 9,629,000 | 14,510,000 | 19,293,000 |
| Noninterest income | 859,000 | 1,752,000 | 2,467,000 | 3,215,000 |
| Noninterest expense | 4,197,000 | 8,554,000 | 12,677,000 | 16,453,000 |
| Provision for loan losses | 331,000 | 744,000 | 1,140,000 | 1,889,000 |
| Pretax income | 1,057,000 | 2,073,000 | 3,520,000 | 4,712,000 |
| Income tax | 266,000 | 514,000 | 956,000 | 1,296,000 |
| Net income | 791,000 | 1,559,000 | 2,564,000 | 3,416,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,757,000 | 32,445,000 | 33,562,000 | 34,400,000 |
| Total capital | 34,324,000 | 35,268,000 | 36,400,000 | 37,413,000 |
| Risk-weighted assets | 272,280,000 | 277,517,000 | 268,714,000 | 264,327,000 |