Call reports 2006
ARROW BANK NATIONAL ASSOCIATION — 2006
What ARROW BANK NATIONAL ASSOCIATION reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 1,294,302,000 | 1,305,236,000 | 1,307,367,000 | 1,301,973,000 |
| Total loans | 824,439,000 | 822,560,000 | 815,777,000 | 830,649,000 |
| Allowance for loan losses | 10,184,000 | 10,186,000 | 10,187,000 | 10,200,000 |
| Securities available for sale | 282,543,000 | 298,510,000 | 303,564,000 | 280,669,000 |
| Securities held to maturity | 113,978,000 | 103,404,000 | 94,580,000 | 111,471,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,004,353,000 | 984,425,000 | 998,720,000 | 1,020,325,000 |
| Interest-bearing deposits | 843,274,000 | 819,063,000 | 830,360,000 | 855,510,000 |
| Noninterest-bearing deposits | 161,079,000 | 165,362,000 | 168,360,000 | 164,815,000 |
| Equity capital | 117,948,000 | 116,840,000 | 120,751,000 | 118,392,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 16,629,000 | 33,849,000 | 51,360,000 | 69,210,000 |
| Interest expense | 6,473,000 | 13,521,000 | 20,795,000 | 28,576,000 |
| Net interest income | 10,156,000 | 20,328,000 | 30,565,000 | 40,634,000 |
| Noninterest income | 3,779,000 | 7,765,000 | 11,822,000 | 15,705,000 |
| Noninterest expense | 8,314,000 | 16,755,000 | 25,143,000 | 33,553,000 |
| Provision for loan losses | 189,000 | 273,000 | 385,000 | 606,000 |
| Pretax income | 5,432,000 | 10,935,000 | 16,729,000 | 22,066,000 |
| Income tax | 1,588,000 | 3,197,000 | 4,981,000 | 6,556,000 |
| Net income | 3,844,000 | 7,738,000 | 11,748,000 | 15,510,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 109,839,000 | 109,852,000 | 111,534,000 | 112,421,000 |
| Total capital | 120,023,000 | 120,038,000 | 121,721,000 | 122,621,000 |
| Risk-weighted assets | 836,103,000 | 837,457,000 | 830,160,000 | 838,819,000 |