Call reports 2015
ADIRONDACK BANK — 2015
What ADIRONDACK BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 704,723,000 | 692,875,000 | 725,905,000 | 733,327,000 |
| Total loans | 420,967,000 | 423,249,000 | 429,582,000 | 467,281,000 |
| Allowance for loan losses | 3,330,000 | 2,951,000 | 2,847,000 | 3,081,000 |
| Securities available for sale | 221,356,000 | 219,723,000 | 238,188,000 | 221,734,000 |
| Securities held to maturity | 11,930,000 | 11,798,000 | 11,146,000 | 9,367,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 592,537,000 | 582,069,000 | 609,476,000 | 619,158,000 |
| Interest-bearing deposits | 439,719,000 | 422,730,000 | 437,135,000 | 439,559,000 |
| Noninterest-bearing deposits | 152,818,000 | 159,339,000 | 172,341,000 | 179,599,000 |
| Equity capital | 54,184,000 | 53,077,000 | 54,733,000 | 54,932,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 5,650,000 | 11,253,000 | 17,103,000 | 22,963,000 |
| Interest expense | 592,000 | 1,199,000 | 1,811,000 | 2,425,000 |
| Net interest income | 5,058,000 | 10,054,000 | 15,292,000 | 20,538,000 |
| Noninterest income | 1,008,000 | 2,111,000 | 4,161,000 | 5,578,000 |
| Noninterest expense | 5,360,000 | 10,543,000 | 15,920,000 | 21,318,000 |
| Provision for loan losses | 326,000 | 526,000 | 701,000 | 860,000 |
| Pretax income | 380,000 | 1,326,000 | 3,061,000 | 4,185,000 |
| Income tax | -27,000 | 152,000 | 263,000 | 506,000 |
| Net income | 407,000 | 1,174,000 | 2,798,000 | 3,679,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,981,000 | 49,901,000 | 51,057,000 | 51,859,000 |
| Total capital | 49,981,000 | 52,879,000 | 53,931,000 | 54,986,000 |
| Risk-weighted assets | 332,560,000 | 352,012,000 | 355,529,000 | 391,917,000 |