Call reports 2004
ARROW BANK NATIONAL ASSOCIATION — 2004
What ARROW BANK NATIONAL ASSOCIATION reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 1,219,636,000 | 1,207,077,000 | 1,215,707,000 | 1,213,605,000 |
| Total loans | 701,438,000 | 714,067,000 | 725,552,000 | 725,448,000 |
| Allowance for loan losses | 9,917,000 | 9,947,000 | 10,009,000 | 10,014,000 |
| Securities available for sale | 293,543,000 | 319,022,000 | 300,635,000 | 301,804,000 |
| Securities held to maturity | 109,579,000 | 111,010,000 | 112,220,000 | 111,082,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 939,475,000 | 911,523,000 | 922,534,000 | 908,307,000 |
| Interest-bearing deposits | 801,426,000 | 756,542,000 | 764,602,000 | 753,523,000 |
| Noninterest-bearing deposits | 138,049,000 | 154,981,000 | 157,932,000 | 154,784,000 |
| Equity capital | 104,181,000 | 101,214,000 | 106,077,000 | 112,297,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 15,019,000 | 29,831,000 | 44,659,000 | 59,529,000 |
| Interest expense | 4,087,000 | 8,144,000 | 11,850,000 | 15,772,000 |
| Net interest income | 10,932,000 | 21,687,000 | 32,809,000 | 43,757,000 |
| Noninterest income | 2,961,000 | 6,125,000 | 9,421,000 | 12,731,000 |
| Noninterest expense | 7,517,000 | 15,131,000 | 22,870,000 | 30,543,000 |
| Provision for loan losses | 239,000 | 414,000 | 582,000 | 778,000 |
| Pretax income | 6,334,000 | 12,464,000 | 18,966,000 | 25,518,000 |
| Income tax | 1,957,000 | 3,823,000 | 5,838,000 | 7,871,000 |
| Net income | 4,377,000 | 8,641,000 | 13,128,000 | 17,647,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 92,297,000 | 94,452,000 | 96,829,000 | 101,443,000 |
| Total capital | 101,265,000 | 103,609,000 | 106,082,000 | 110,740,000 |
| Risk-weighted assets | 716,525,000 | 731,734,000 | 739,408,000 | 742,939,000 |