Call reports 2016
ADIRONDACK BANK — 2016
What ADIRONDACK BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 779,153,000 | 766,066,000 | 809,582,000 | 778,379,000 |
| Total loans | 464,461,000 | 461,241,000 | 464,071,000 | 472,670,000 |
| Allowance for loan losses | 3,216,000 | 3,265,000 | 3,317,000 | 3,305,000 |
| Securities available for sale | 251,712,000 | 250,459,000 | 270,918,000 | 259,354,000 |
| Securities held to maturity | 9,625,000 | 9,113,000 | 9,040,000 | 8,417,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 653,593,000 | 648,375,000 | 678,091,000 | 659,143,000 |
| Interest-bearing deposits | 482,136,000 | 473,435,000 | 480,838,000 | 452,882,000 |
| Noninterest-bearing deposits | 171,457,000 | 174,940,000 | 197,253,000 | 206,261,000 |
| Equity capital | 56,639,000 | 58,443,000 | 58,624,000 | 56,842,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 6,091,000 | 12,441,000 | 18,800,000 | 25,100,000 |
| Interest expense | 660,000 | 1,352,000 | 2,034,000 | 2,711,000 |
| Net interest income | 5,431,000 | 11,089,000 | 16,766,000 | 22,389,000 |
| Noninterest income | 2,102,000 | 3,936,000 | 5,305,000 | 6,667,000 |
| Noninterest expense | 5,655,000 | 11,344,000 | 17,169,000 | 22,857,000 |
| Provision for loan losses | 188,000 | 338,000 | 538,000 | 925,000 |
| Pretax income | 1,690,000 | 3,343,000 | 4,375,000 | 5,295,000 |
| Income tax | 469,000 | 832,000 | 1,026,000 | 1,177,000 |
| Net income | 1,221,000 | 2,511,000 | 3,349,000 | 4,118,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,000,000 | 54,205,000 | 54,957,000 | 56,053,000 |
| Total capital | 56,234,000 | 57,495,000 | 58,300,000 | 59,393,000 |
| Risk-weighted assets | 375,880,000 | 391,696,000 | 399,599,000 | 402,378,000 |