Call reports 2011
ADIRONDACK BANK — 2011
What ADIRONDACK BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 571,173,000 | 557,945,000 | 600,850,000 | 580,713,000 |
| Total loans | 315,077,000 | 316,964,000 | 325,958,000 | 332,429,000 |
| Allowance for loan losses | 4,304,000 | 4,299,000 | 3,125,000 | 3,062,000 |
| Securities available for sale | 196,780,000 | 179,043,000 | 182,772,000 | 188,025,000 |
| Securities held to maturity | 7,616,000 | 8,204,000 | 6,968,000 | 8,642,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 468,021,000 | 460,215,000 | 487,192,000 | 477,221,000 |
| Interest-bearing deposits | 378,101,000 | 360,773,000 | 378,646,000 | 372,445,000 |
| Noninterest-bearing deposits | 89,920,000 | 99,442,000 | 108,546,000 | 104,776,000 |
| Equity capital | 40,481,000 | 42,464,000 | 43,498,000 | 44,481,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 5,467,000 | 11,160,000 | 16,675,000 | 22,300,000 |
| Interest expense | 887,000 | 1,753,000 | 2,590,000 | 3,377,000 |
| Net interest income | 4,580,000 | 9,407,000 | 14,085,000 | 18,923,000 |
| Noninterest income | 636,000 | 1,491,000 | 2,270,000 | 3,215,000 |
| Noninterest expense | 4,209,000 | 8,638,000 | 12,982,000 | 17,221,000 |
| Provision for loan losses | 103,000 | 168,000 | 841,000 | 892,000 |
| Pretax income | 904,000 | 2,162,000 | 2,602,000 | 4,099,000 |
| Income tax | 241,000 | 606,000 | 632,000 | 1,052,000 |
| Net income | 663,000 | 1,556,000 | 1,970,000 | 3,047,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,205,000 | 38,084,000 | 38,480,000 | 39,519,000 |
| Total capital | 40,689,000 | 41,534,000 | 41,634,000 | 42,614,000 |
| Risk-weighted assets | 277,879,000 | 275,124,000 | 276,113,000 | 282,723,000 |