Call reports 2003
ARROW BANK NATIONAL ASSOCIATION — 2003
What ARROW BANK NATIONAL ASSOCIATION reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 1,163,830,000 | 1,154,602,000 | 1,213,691,000 | 1,201,834,000 |
| Total loans | 691,240,000 | 695,666,000 | 707,730,000 | 705,526,000 |
| Allowance for loan losses | 9,541,000 | 9,628,000 | 9,811,000 | 9,857,000 |
| Securities available for sale | 320,586,000 | 300,625,000 | 297,305,000 | 324,299,000 |
| Securities held to maturity | 78,901,000 | 98,006,000 | 109,422,000 | 108,749,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 889,323,000 | 867,028,000 | 926,033,000 | 919,945,000 |
| Interest-bearing deposits | 765,392,000 | 735,639,000 | 781,938,000 | 782,954,000 |
| Noninterest-bearing deposits | 123,931,000 | 131,389,000 | 144,095,000 | 136,991,000 |
| Equity capital | 96,212,000 | 97,864,000 | 98,437,000 | 100,025,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 15,705,000 | 31,040,000 | 45,798,000 | 61,202,000 |
| Interest expense | 4,736,000 | 9,374,000 | 13,649,000 | 17,929,000 |
| Net interest income | 10,969,000 | 21,666,000 | 32,149,000 | 43,273,000 |
| Noninterest income | 2,679,000 | 5,650,000 | 8,565,000 | 11,368,000 |
| Noninterest expense | 7,407,000 | 14,727,000 | 22,293,000 | 30,028,000 |
| Provision for loan losses | 300,000 | 600,000 | 900,000 | 1,100,000 |
| Pretax income | 6,305,000 | 12,488,000 | 18,264,000 | 24,256,000 |
| Income tax | 1,975,000 | 3,903,000 | 5,608,000 | 7,391,000 |
| Net income | 4,330,000 | 8,585,000 | 12,656,000 | 16,865,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 83,407,000 | 85,654,000 | 87,608,000 | 90,030,000 |
| Total capital | 92,164,000 | 94,460,000 | 96,677,000 | 98,975,000 |
| Risk-weighted assets | 699,719,000 | 703,630,000 | 724,667,000 | 714,707,000 |