Call reports 2017
ADIRONDACK BANK — 2017
What ADIRONDACK BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 829,673,000 | 799,873,000 | 800,428,000 | 786,256,000 |
| Total loans | 477,004,000 | 482,216,000 | 481,226,000 | 484,437,000 |
| Allowance for loan losses | 3,148,000 | 2,884,000 | 2,915,000 | 3,063,000 |
| Securities available for sale | 275,463,000 | 268,114,000 | 254,547,000 | 250,280,000 |
| Securities held to maturity | 9,631,000 | 6,987,000 | 7,222,000 | 7,674,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 707,547,000 | 677,312,000 | 672,859,000 | 659,298,000 |
| Interest-bearing deposits | 496,034,000 | 490,339,000 | 474,019,000 | 465,055,000 |
| Noninterest-bearing deposits | 211,513,000 | 186,973,000 | 198,840,000 | 194,243,000 |
| Equity capital | 57,936,000 | 60,736,000 | 60,544,000 | 60,577,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 6,536,000 | 13,217,000 | 19,928,000 | 26,640,000 |
| Interest expense | 624,000 | 1,307,000 | 1,979,000 | 2,621,000 |
| Net interest income | 5,912,000 | 11,910,000 | 17,949,000 | 24,019,000 |
| Noninterest income | 1,199,000 | 2,697,000 | 3,874,000 | 5,228,000 |
| Noninterest expense | 5,765,000 | 11,806,000 | 17,777,000 | 23,206,000 |
| Provision for loan losses | 133,000 | 232,000 | 303,000 | 374,000 |
| Pretax income | 1,213,000 | 2,569,000 | 3,743,000 | 5,667,000 |
| Income tax | 258,000 | 461,000 | 708,000 | 1,506,000 |
| Net income | 955,000 | 2,108,000 | 3,035,000 | 4,161,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,920,000 | 57,977,000 | 58,731,000 | 59,674,000 |
| Total capital | 60,090,000 | 60,875,000 | 61,660,000 | 62,746,000 |
| Risk-weighted assets | 404,185,000 | 403,738,000 | 400,989,000 | 410,389,000 |