Call reports 2019
ADIRONDACK BANK — 2019
What ADIRONDACK BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 860,587,000 | 861,454,000 | 901,728,000 | 815,388,000 |
| Total loans | 504,478,000 | 508,071,000 | 524,119,000 | 528,032,000 |
| Allowance for loan losses | 3,398,000 | 3,189,000 | 3,038,000 | 2,862,000 |
| Securities available for sale | 295,318,000 | 269,748,000 | 267,359,000 | 215,973,000 |
| Securities held to maturity | 10,703,000 | 9,676,000 | 11,950,000 | 8,600,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 734,435,000 | 724,113,000 | 744,460,000 | 672,695,000 |
| Interest-bearing deposits | 527,038,000 | 511,847,000 | 517,520,000 | 460,647,000 |
| Noninterest-bearing deposits | 207,397,000 | 212,266,000 | 226,940,000 | 212,048,000 |
| Equity capital | 64,586,000 | 68,539,000 | 69,875,000 | 68,537,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 7,950,000 | 16,206,000 | 24,339,000 | 32,404,000 |
| Interest expense | 1,186,000 | 2,509,000 | 3,842,000 | 4,997,000 |
| Net interest income | 6,764,000 | 13,697,000 | 20,497,000 | 27,407,000 |
| Noninterest income | 1,281,000 | 2,503,000 | 3,735,000 | 4,923,000 |
| Noninterest expense | 6,480,000 | 12,982,000 | 19,418,000 | 28,434,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,565,000 | 4,110,000 | 6,048,000 | 5,561,000 |
| Income tax | 227,000 | 634,000 | 977,000 | 865,000 |
| Net income | 1,338,000 | 3,476,000 | 5,071,000 | 4,696,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 64,400,000 | 66,416,000 | 67,817,000 | 67,270,000 |
| Total capital | 67,800,000 | 69,607,000 | 70,857,000 | 70,132,000 |
| Risk-weighted assets | 428,180,000 | 427,186,000 | 432,331,000 | 431,323,000 |