The Adirondack Trust Company
Saratoga Springs, NY — State Member Bank
Active
Vitals
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Total Assets1.2B 6.8 %
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Total Deposits1.0B 7.0 %
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Total Net Loans707.0M 16.2 %
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Net Income5.5M 8.5 %
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Book Value114.0M 3.0 %
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Book Value x2228.1M 3.0 %
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Book Value x3342.1M 3.0 %
Balance Sheet Highlights
| Financial Highlights | The Adirondack Trust Company | All Insured Commercial Banks in New York |
| Balance Sheet $(000) | ||
| Total Assets | 1,156,213 | 2,361,576 |
| Total Net Loans | 707,000 | 1,418,975 |
| Total Deposits | 1,013,186 | 1,902,330 |
| Total Equity | 114,084 | 271,278 |
| Profitability | ||
| Net Income | 5,516 | 11,608 |
| Return on Average Assets | .658 | .762 |
| Return on Average Equity | 6.566 | 7.401 |
| Net Interest Margin | 2.845 | 3.191 |
| Efficiency Ratio | 76.018 | 66.438 |
| Noninterest Income/Revenue | 40.124 | 17.093 |
| Balance Sheet Ratios | ||
| Loan-to-Deposit | 69.78 | 73.021 |
| Securities/Assets | .24 | .143 |
| Total Equity/Total Assets | .099 | .115 |
| Tangible Equity/Tangible Assets | .079 | .109 |
| Capital Adequacy | ||
| Tier 1 Common Capital | 102,319 | 217,925 |
| Tier 1 Capital | 102,377 | 218,485 |
| Tier 2 Capital | 9,933 | 11,478 |
| Total Capital | 112,310 | 236,717 |
| Total Risk Weighted Assets | 794,543 | 1,485,948 |
| Leverage Ratio | 9.22 | 10.214 |
| Common Equity Tier 1 Capital Ratio | 12.88 | 16.317 |
| Tier 1 Capital Ratio | 12.89 | 16.464 |
| Total Capital Ratio | 14.14 | 17.555 |
Timeline for The Adirondack Trust Company
Adirondack Trust Company Financial Services, Inc.
Adirondack Trust Company Financial Services, Inc. became a new subsidiary organization for The Adirondack Trust Company.
View Profile Feb 01 2001
Adirondack Reit, Inc.
Adirondack Reit, Inc. became a new subsidiary organization for The Adirondack Trust Company.
View Profile Mar 09 1999
Fleet National Bank
Fleet National Bank became a new parent organization for The Adirondack Trust Company.
View Profile Feb 03 1978
473 Broadway Holding Corporation
473 Broadway Holding Corporation became a new parent organization for The Adirondack Trust Company.
View Profile Dec 31 1970
The Adirondack Trust Company
The Adirondack Trust Company was established 123 years ago and is currently headquartered in Saratoga Springs, NY.
Jan 01 1901| Relationships | Role | Relationship Start | Relationship End |
| 473 Broadway Holding Corporation | Parent | 3/14/2000 | |
| 473 Broadway Holding Corporation | Parent | 4/20/1987 | 3/13/2000 |
| 473 Broadway Holding Corporation | Parent | 12/31/1970 | 4/19/1987 |
| Fleet National Bank | Parent | 12/31/1982 | 12/30/1984 |
| Fleet National Bank | Parent | 12/31/1980 | 12/30/1982 |
| Fleet National Bank | Parent | 12/31/1979 | 12/30/1980 |
| Fleet National Bank | Parent | 2/3/1978 | 12/30/1979 |
| Adirondack Reit, Inc. | Subsidary | 6/30/2007 | |
| Adirondack Trust Company Financial Services, Inc. | Subsidary | 6/30/2007 | |
| Adirondack Reit, Inc. | Subsidary | 3/9/1999 | 6/29/2007 |
| Adirondack Trust Company Financial Services, Inc. | Subsidary | 2/1/2001 | 6/29/2007 |
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