Call reports 2012
ADIRONDACK BANK — 2012
What ADIRONDACK BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 595,860,000 | 584,547,000 | 604,087,000 | 586,241,000 |
| Total loans | 337,171,000 | 348,004,000 | 351,504,000 | 365,052,000 |
| Allowance for loan losses | 3,152,000 | 3,120,000 | 3,161,000 | 3,238,000 |
| Securities available for sale | 192,930,000 | 180,417,000 | 177,444,000 | 178,147,000 |
| Securities held to maturity | 9,780,000 | 10,725,000 | 11,805,000 | 8,571,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 486,500,000 | 485,426,000 | 493,585,000 | 488,628,000 |
| Interest-bearing deposits | 383,877,000 | 375,867,000 | 380,127,000 | 369,783,000 |
| Noninterest-bearing deposits | 102,623,000 | 109,559,000 | 113,458,000 | 118,845,000 |
| Equity capital | 44,791,000 | 46,455,000 | 47,820,000 | 48,957,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 5,609,000 | 11,053,000 | 16,443,000 | 21,902,000 |
| Interest expense | 763,000 | 1,491,000 | 2,189,000 | 2,862,000 |
| Net interest income | 4,846,000 | 9,562,000 | 14,254,000 | 19,040,000 |
| Noninterest income | 1,006,000 | 2,000,000 | 2,992,000 | 4,450,000 |
| Noninterest expense | 4,458,000 | 8,943,000 | 13,388,000 | 17,936,000 |
| Provision for loan losses | 306,000 | 553,000 | 650,000 | 884,000 |
| Pretax income | 1,088,000 | 2,084,000 | 3,226,000 | 4,916,000 |
| Income tax | 233,000 | 417,000 | 654,000 | 1,094,000 |
| Net income | 855,000 | 1,667,000 | 2,572,000 | 3,822,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,290,000 | 41,020,000 | 41,843,000 | 43,006,000 |
| Total capital | 43,474,000 | 44,172,000 | 45,037,000 | 46,282,000 |
| Risk-weighted assets | 286,293,000 | 293,186,000 | 295,264,000 | 304,046,000 |