Call reports 2005
ARROW BANK NATIONAL ASSOCIATION — 2005
What ARROW BANK NATIONAL ASSOCIATION reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 1,249,483,000 | 1,270,558,000 | 1,298,970,000 | 1,309,622,000 |
| Total loans | 736,775,000 | 793,481,000 | 816,061,000 | 824,820,000 |
| Allowance for loan losses | 10,026,000 | 10,097,000 | 10,132,000 | 10,181,000 |
| Securities available for sale | 309,167,000 | 295,030,000 | 279,544,000 | 287,823,000 |
| Securities held to maturity | 116,324,000 | 109,446,000 | 115,791,000 | 121,091,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 937,283,000 | 947,668,000 | 980,738,000 | 1,003,338,000 |
| Interest-bearing deposits | 785,119,000 | 786,256,000 | 813,369,000 | 841,922,000 |
| Noninterest-bearing deposits | 152,164,000 | 161,412,000 | 167,369,000 | 161,416,000 |
| Equity capital | 113,538,000 | 119,050,000 | 118,286,000 | 119,317,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 14,770,000 | 30,264,000 | 46,196,000 | 62,787,000 |
| Interest expense | 4,281,000 | 9,024,000 | 14,210,000 | 20,234,000 |
| Net interest income | 10,489,000 | 21,240,000 | 31,986,000 | 42,553,000 |
| Noninterest income | 3,298,000 | 7,105,000 | 11,054,000 | 14,764,000 |
| Noninterest expense | 7,897,000 | 16,266,000 | 24,485,000 | 32,305,000 |
| Provision for loan losses | 154,000 | 299,000 | 471,000 | 808,000 |
| Pretax income | 5,784,000 | 11,949,000 | 18,364,000 | 24,484,000 |
| Income tax | 1,763,000 | 3,631,000 | 5,620,000 | 7,438,000 |
| Net income | 4,021,000 | 8,318,000 | 12,744,000 | 17,046,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 105,588,000 | 106,312,000 | 107,629,000 | 109,526,000 |
| Total capital | 115,097,000 | 116,384,000 | 117,761,000 | 119,707,000 |
| Risk-weighted assets | 760,234,000 | 805,683,000 | 830,372,000 | 834,785,000 |