Call reports 2025
ADIRONDACK BANK — 2025
What ADIRONDACK BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 994,373,000 | 960,069,000 | 1,002,185,000 | 941,604,000 |
| Total loans | 622,453,000 | 619,362,000 | 622,760,000 | 624,040,000 |
| Allowance for loan losses | 4,716,000 | 4,662,000 | 4,655,000 | 4,709,000 |
| Securities available for sale | 278,472,000 | 248,113,000 | 287,701,000 | 244,444,000 |
| Securities held to maturity | 4,412,000 | 6,323,000 | 6,263,000 | 5,780,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 910,931,000 | 874,420,000 | 913,343,000 | 848,093,000 |
| Interest-bearing deposits | 595,770,000 | 568,441,000 | 583,572,000 | 538,864,000 |
| Noninterest-bearing deposits | 315,161,000 | 305,979,000 | 329,771,000 | 309,229,000 |
| Equity capital | 68,563,000 | 69,827,000 | 72,428,000 | 74,525,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 10,412,000 | 20,835,000 | 31,369,000 | 42,323,000 |
| Interest expense | 1,929,000 | 3,875,000 | 5,730,000 | 7,504,000 |
| Net interest income | 8,483,000 | 16,960,000 | 25,639,000 | 34,819,000 |
| Noninterest income | 1,371,000 | 2,734,000 | 4,190,000 | 5,658,000 |
| Noninterest expense | 8,866,000 | 17,397,000 | 26,089,000 | 35,118,000 |
| Provision for loan losses | 210,000 | 210,000 | 210,000 | 294,000 |
| Pretax income | 778,000 | 2,087,000 | 3,530,000 | 5,065,000 |
| Income tax | 101,000 | 271,000 | 460,000 | 715,000 |
| Net income | 677,000 | 1,816,000 | 3,070,000 | 4,350,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 81,727,000 | 82,703,000 | 82,093,000 | 83,303,000 |
| Total capital | 86,526,000 | 87,448,000 | 86,831,000 | 88,110,000 |
| Risk-weighted assets | 494,651,000 | 492,504,000 | 495,291,000 | 491,266,000 |