Call reports 2008
ARROW BANK NATIONAL ASSOCIATION — 2008
What ARROW BANK NATIONAL ASSOCIATION reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 1,401,702,000 | 1,395,831,000 | 1,437,506,000 | 1,425,044,000 |
| Total loans | 856,416,000 | 870,937,000 | 905,922,000 | 910,716,000 |
| Allowance for loan losses | 10,271,000 | 10,344,000 | 10,400,000 | 10,857,000 |
| Securities available for sale | 316,030,000 | 337,674,000 | 315,919,000 | 290,425,000 |
| Securities held to maturity | 112,485,000 | 110,549,000 | 130,431,000 | 132,968,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,055,196,000 | 1,062,154,000 | 1,092,530,000 | 1,088,348,000 |
| Interest-bearing deposits | 882,140,000 | 886,863,000 | 920,320,000 | 925,861,000 |
| Noninterest-bearing deposits | 173,056,000 | 175,291,000 | 172,210,000 | 162,487,000 |
| Equity capital | 125,946,000 | 125,016,000 | 125,501,000 | 124,757,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 18,869,000 | 37,704,000 | 56,890,000 | 76,167,000 |
| Interest expense | 7,521,000 | 13,741,000 | 19,937,000 | 25,972,000 |
| Net interest income | 11,348,000 | 23,963,000 | 36,953,000 | 50,195,000 |
| Noninterest income | 4,011,000 | 8,115,000 | 12,289,000 | 16,364,000 |
| Noninterest expense | 9,124,000 | 18,428,000 | 27,957,000 | 38,200,000 |
| Provision for loan losses | 199,000 | 425,000 | 624,000 | 1,384,000 |
| Pretax income | 6,785,000 | 13,935,000 | 20,161,000 | 26,487,000 |
| Income tax | 2,066,000 | 4,266,000 | 6,118,000 | 8,004,000 |
| Net income | 4,719,000 | 9,669,000 | 14,043,000 | 18,483,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 115,645,000 | 117,700,000 | 119,024,000 | 120,968,000 |
| Total capital | 125,916,000 | 128,044,000 | 129,424,000 | 131,825,000 |
| Risk-weighted assets | 873,052,000 | 893,821,000 | 918,226,000 | 906,675,000 |