Call reports 2013
ADIRONDACK BANK — 2013
What ADIRONDACK BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 618,692,000 | 608,629,000 | 617,715,000 | 643,670,000 |
| Total loans | 365,810,000 | 370,807,000 | 390,336,000 | 413,272,000 |
| Allowance for loan losses | 3,500,000 | 3,504,000 | 3,296,000 | 3,224,000 |
| Securities available for sale | 191,448,000 | 184,416,000 | 183,042,000 | 182,992,000 |
| Securities held to maturity | 5,224,000 | 4,804,000 | 5,011,000 | 8,232,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 513,579,000 | 515,908,000 | 519,130,000 | 533,271,000 |
| Interest-bearing deposits | 399,122,000 | 388,210,000 | 394,673,000 | 408,034,000 |
| Noninterest-bearing deposits | 114,457,000 | 127,698,000 | 124,457,000 | 125,237,000 |
| Equity capital | 49,142,000 | 48,089,000 | 48,032,000 | 48,464,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 5,203,000 | 10,475,000 | 15,931,000 | 21,520,000 |
| Interest expense | 614,000 | 1,172,000 | 1,709,000 | 2,248,000 |
| Net interest income | 4,589,000 | 9,303,000 | 14,222,000 | 19,272,000 |
| Noninterest income | 1,108,000 | 2,131,000 | 2,811,000 | 3,713,000 |
| Noninterest expense | 4,724,000 | 9,130,000 | 13,762,000 | 18,330,000 |
| Provision for loan losses | 349,000 | 502,000 | 352,000 | 352,000 |
| Pretax income | 624,000 | 1,802,000 | 2,919,000 | 4,408,000 |
| Income tax | 47,000 | 311,000 | 547,000 | 929,000 |
| Net income | 577,000 | 1,491,000 | 2,372,000 | 3,479,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,503,000 | 44,341,000 | 45,148,000 | 46,182,000 |
| Total capital | 47,041,000 | 47,873,000 | 48,472,000 | 49,442,000 |
| Risk-weighted assets | 306,349,000 | 309,518,000 | 319,328,000 | 336,732,000 |