Call reports 2010
ADIRONDACK BANK — 2010
What ADIRONDACK BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 516,902,000 | 513,923,000 | 536,548,000 | 527,948,000 |
| Total loans | 309,614,000 | 311,608,000 | 312,413,000 | 313,665,000 |
| Allowance for loan losses | 3,443,000 | 3,167,000 | 3,147,000 | 4,377,000 |
| Securities available for sale | 150,209,000 | 152,952,000 | 150,952,000 | 178,842,000 |
| Securities held to maturity | 5,008,000 | 5,719,000 | 5,260,000 | 5,568,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 415,657,000 | 416,895,000 | 429,636,000 | 419,019,000 |
| Interest-bearing deposits | 335,005,000 | 335,307,000 | 342,809,000 | 335,751,000 |
| Noninterest-bearing deposits | 80,652,000 | 81,588,000 | 86,827,000 | 83,268,000 |
| Equity capital | 39,102,000 | 40,264,000 | 41,362,000 | 39,916,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 5,706,000 | 11,399,000 | 17,030,000 | 22,574,000 |
| Interest expense | 1,067,000 | 2,126,000 | 3,169,000 | 4,158,000 |
| Net interest income | 4,639,000 | 9,273,000 | 13,861,000 | 18,416,000 |
| Noninterest income | 662,000 | 1,337,000 | 2,023,000 | 2,945,000 |
| Noninterest expense | 4,053,000 | 8,174,000 | 12,335,000 | 16,351,000 |
| Provision for loan losses | 665,000 | 788,000 | 979,000 | 2,469,000 |
| Pretax income | 583,000 | 1,900,000 | 2,822,000 | 3,030,000 |
| Income tax | 131,000 | 539,000 | 784,000 | 745,000 |
| Net income | 452,000 | 1,361,000 | 2,038,000 | 2,285,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,837,000 | 35,732,000 | 36,387,000 | 36,611,000 |
| Total capital | 38,117,000 | 38,949,000 | 39,591,000 | 40,027,000 |
| Risk-weighted assets | 262,231,000 | 305,271,000 | 268,152,000 | 272,316,000 |