Call reports 2002
ARROW BANK NATIONAL ASSOCIATION — 2002
What ARROW BANK NATIONAL ASSOCIATION reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 1,016,623,000 | 1,051,132,000 | 1,118,221,000 | 1,119,659,000 |
| Total loans | 631,435,000 | 640,369,000 | 646,949,000 | 664,854,000 |
| Allowance for loan losses | 8,560,000 | 8,986,000 | 9,307,000 | 9,418,000 |
| Securities available for sale | 250,532,000 | 261,954,000 | 299,914,000 | 313,827,000 |
| Securities held to maturity | 78,365,000 | 76,968,000 | 77,559,000 | 77,464,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 787,802,000 | 788,475,000 | 831,400,000 | 837,193,000 |
| Interest-bearing deposits | 671,354,000 | 666,916,000 | 706,424,000 | 715,397,000 |
| Noninterest-bearing deposits | 116,448,000 | 121,559,000 | 124,976,000 | 121,796,000 |
| Equity capital | 87,741,000 | 92,169,000 | 94,115,000 | 95,056,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 16,074,000 | 32,554,000 | 49,017,000 | 65,475,000 |
| Interest expense | 5,202,000 | 10,621,000 | 15,982,000 | 21,313,000 |
| Net interest income | 10,872,000 | 21,933,000 | 33,035,000 | 44,162,000 |
| Noninterest income | 2,659,000 | 5,425,000 | 8,251,000 | 11,093,000 |
| Noninterest expense | 7,379,000 | 14,723,000 | 21,439,000 | 28,942,000 |
| Provision for loan losses | 525,000 | 1,020,000 | 1,500,000 | 1,830,000 |
| Pretax income | 5,647,000 | 11,779,000 | 18,511,000 | 24,624,000 |
| Income tax | 1,743,000 | 3,670,000 | 5,804,000 | 7,664,000 |
| Net income | 3,904,000 | 8,109,000 | 12,707,000 | 16,960,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 77,304,000 | 79,363,000 | 80,227,000 | 81,796,000 |
| Total capital | 85,324,000 | 87,405,000 | 88,488,000 | 90,203,000 |
| Risk-weighted assets | 641,055,000 | 642,370,000 | 659,767,000 | 671,547,000 |