Call reports 2022
ADIRONDACK BANK — 2022
What ADIRONDACK BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 1,052,056,000 | 990,659,000 | 1,011,975,000 | 954,358,000 |
| Total loans | 528,666,000 | 544,012,000 | 567,344,000 | 581,960,000 |
| Allowance for loan losses | 4,676,000 | 4,713,000 | 4,586,000 | 4,517,000 |
| Securities available for sale | 294,639,000 | 291,199,000 | 281,728,000 | 291,537,000 |
| Securities held to maturity | 12,301,000 | 4,846,000 | 6,198,000 | 6,830,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 889,563,000 | 871,247,000 | 895,985,000 | 823,642,000 |
| Interest-bearing deposits | 545,506,000 | 518,581,000 | 522,130,000 | 485,684,000 |
| Noninterest-bearing deposits | 344,057,000 | 352,666,000 | 373,855,000 | 337,958,000 |
| Equity capital | 66,440,000 | 60,487,000 | 55,687,000 | 56,668,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 6,477,000 | 13,500,000 | 21,603,000 | 30,537,000 |
| Interest expense | 331,000 | 586,000 | 849,000 | 1,127,000 |
| Net interest income | 6,146,000 | 12,914,000 | 20,754,000 | 29,410,000 |
| Noninterest income | 1,450,000 | 2,758,000 | 4,001,000 | 5,237,000 |
| Noninterest expense | 7,195,000 | 14,570,000 | 22,129,000 | 30,351,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 401,000 | 1,102,000 | 2,626,000 | 4,296,000 |
| Income tax | 68,000 | 187,000 | 446,000 | 572,000 |
| Net income | 333,000 | 915,000 | 2,180,000 | 3,724,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 73,494,000 | 73,993,000 | 75,152,000 | 76,561,000 |
| Total capital | 78,172,000 | 78,708,000 | 79,740,000 | 81,079,000 |
| Risk-weighted assets | 447,102,000 | 460,137,000 | 480,980,000 | 496,671,000 |