Call reports 2014
ADIRONDACK BANK — 2014
What ADIRONDACK BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 691,480,000 | 660,123,000 | 676,725,000 | 675,790,000 |
| Total loans | 416,151,000 | 419,958,000 | 419,340,000 | 422,533,000 |
| Allowance for loan losses | 3,042,000 | 3,065,000 | 3,026,000 | 3,097,000 |
| Securities available for sale | 209,075,000 | 190,647,000 | 195,571,000 | 204,580,000 |
| Securities held to maturity | 11,057,000 | 11,580,000 | 10,134,000 | 10,516,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 587,865,000 | 557,799,000 | 568,817,000 | 557,931,000 |
| Interest-bearing deposits | 444,450,000 | 407,741,000 | 408,887,000 | 408,191,000 |
| Noninterest-bearing deposits | 143,415,000 | 150,058,000 | 159,930,000 | 149,740,000 |
| Equity capital | 49,234,000 | 50,692,000 | 51,832,000 | 53,249,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 5,606,000 | 11,273,000 | 17,027,000 | 22,914,000 |
| Interest expense | 583,000 | 1,182,000 | 1,769,000 | 2,358,000 |
| Net interest income | 5,023,000 | 10,091,000 | 15,258,000 | 20,556,000 |
| Noninterest income | 891,000 | 2,151,000 | 3,516,000 | 4,697,000 |
| Noninterest expense | 5,357,000 | 10,350,000 | 15,381,000 | 20,195,000 |
| Provision for loan losses | 274,000 | 360,000 | 360,000 | 672,000 |
| Pretax income | 283,000 | 1,803,000 | 3,304,000 | 4,657,000 |
| Income tax | -67,000 | 338,000 | 740,000 | 948,000 |
| Net income | 350,000 | 1,465,000 | 2,564,000 | 3,709,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,457,000 | 47,488,000 | 48,505,000 | 49,575,000 |
| Total capital | 49,535,000 | 50,574,000 | 51,552,000 | 52,693,000 |
| Risk-weighted assets | 340,300,000 | 338,599,000 | 342,714,000 | 347,074,000 |