Call reports 2007
ARROW BANK NATIONAL ASSOCIATION — 2007
What ARROW BANK NATIONAL ASSOCIATION reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 1,322,496,000 | 1,322,361,000 | 1,361,383,000 | 1,358,356,000 |
| Total loans | 831,206,000 | 835,820,000 | 856,722,000 | 849,980,000 |
| Allowance for loan losses | 10,212,000 | 10,216,000 | 10,227,000 | 10,250,000 |
| Securities available for sale | 273,715,000 | 299,856,000 | 302,719,000 | 302,670,000 |
| Securities held to maturity | 110,341,000 | 113,942,000 | 117,961,000 | 116,871,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,036,144,000 | 1,033,776,000 | 1,040,472,000 | 1,027,972,000 |
| Interest-bearing deposits | 867,731,000 | 862,765,000 | 867,110,000 | 861,016,000 |
| Noninterest-bearing deposits | 168,413,000 | 171,011,000 | 173,362,000 | 166,956,000 |
| Equity capital | 119,402,000 | 117,384,000 | 120,468,000 | 122,688,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 17,781,000 | 36,063,000 | 54,727,000 | 73,890,000 |
| Interest expense | 7,849,000 | 15,971,000 | 24,340,000 | 32,869,000 |
| Net interest income | 9,932,000 | 20,092,000 | 30,387,000 | 41,021,000 |
| Noninterest income | 3,986,000 | 8,061,000 | 12,112,000 | 16,081,000 |
| Noninterest expense | 8,368,000 | 16,927,000 | 25,317,000 | 34,291,000 |
| Provision for loan losses | 75,000 | 140,000 | 239,000 | 368,000 |
| Pretax income | 5,475,000 | 11,086,000 | 16,943,000 | 22,443,000 |
| Income tax | 1,533,000 | 3,150,000 | 4,835,000 | 6,258,000 |
| Net income | 3,942,000 | 7,936,000 | 12,108,000 | 16,185,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 112,648,000 | 112,213,000 | 113,137,000 | 114,396,000 |
| Total capital | 122,860,000 | 122,429,000 | 123,364,000 | 124,646,000 |
| Risk-weighted assets | 840,211,000 | 845,542,000 | 872,312,000 | 862,215,000 |