Call reports 2018
ADIRONDACK BANK — 2018
What ADIRONDACK BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 800,256,000 | 805,268,000 | 836,174,000 | 821,445,000 |
| Total loans | 487,355,000 | 492,713,000 | 496,811,000 | 499,029,000 |
| Allowance for loan losses | 3,141,000 | 3,254,000 | 3,309,000 | 3,428,000 |
| Securities available for sale | 259,653,000 | 253,975,000 | 272,308,000 | 258,204,000 |
| Securities held to maturity | 8,955,000 | 13,219,000 | 12,950,000 | 14,139,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 680,561,000 | 692,871,000 | 700,663,000 | 683,191,000 |
| Interest-bearing deposits | 486,339,000 | 488,380,000 | 493,254,000 | 485,087,000 |
| Noninterest-bearing deposits | 194,222,000 | 204,491,000 | 207,409,000 | 198,104,000 |
| Equity capital | 59,801,000 | 60,013,000 | 60,155,000 | 61,809,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 6,901,000 | 14,005,000 | 21,494,000 | 29,229,000 |
| Interest expense | 655,000 | 1,419,000 | 2,241,000 | 3,242,000 |
| Net interest income | 6,246,000 | 12,586,000 | 19,253,000 | 25,987,000 |
| Noninterest income | 1,313,000 | 2,515,000 | 3,722,000 | 4,996,000 |
| Noninterest expense | 6,161,000 | 12,109,000 | 18,061,000 | 24,377,000 |
| Provision for loan losses | 150,000 | 340,000 | 520,000 | 580,000 |
| Pretax income | 1,248,000 | 2,652,000 | 4,394,000 | 6,026,000 |
| Income tax | 165,000 | 296,000 | 497,000 | 673,000 |
| Net income | 1,083,000 | 2,356,000 | 3,897,000 | 5,353,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 60,654,000 | 61,768,000 | 62,888,000 | 62,927,000 |
| Total capital | 63,804,000 | 65,031,000 | 66,202,000 | 66,356,000 |
| Risk-weighted assets | 416,166,000 | 419,479,000 | 431,300,000 | 421,541,000 |