Call reports 2016
ARROW BANK NATIONAL ASSOCIATION — 2016
What ARROW BANK NATIONAL ASSOCIATION reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 2,080,517,000 | 2,137,525,000 | 2,150,769,000 | 2,158,385,000 |
| Total loans | 1,303,946,000 | 1,360,761,000 | 1,371,817,000 | 1,401,314,000 |
| Allowance for loan losses | 13,192,000 | 13,893,000 | 13,841,000 | 13,894,000 |
| Securities available for sale | 345,883,000 | 323,505,000 | 302,054,000 | 306,233,000 |
| Securities held to maturity | 293,073,000 | 316,232,000 | 310,567,000 | 315,232,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,781,301,000 | 1,740,620,000 | 1,853,233,000 | 1,746,371,000 |
| Interest-bearing deposits | 1,481,971,000 | 1,429,142,000 | 1,528,481,000 | 1,423,082,000 |
| Noninterest-bearing deposits | 299,330,000 | 311,478,000 | 324,752,000 | 323,289,000 |
| Equity capital | 194,557,000 | 197,912,000 | 201,249,000 | 202,551,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 15,331,000 | 31,220,000 | 47,085,000 | 63,163,000 |
| Interest expense | 811,000 | 1,636,000 | 2,559,000 | 3,457,000 |
| Net interest income | 14,520,000 | 29,584,000 | 44,526,000 | 59,706,000 |
| Noninterest income | 6,686,000 | 13,512,000 | 20,413,000 | 27,137,000 |
| Noninterest expense | 12,776,000 | 26,004,000 | 39,475,000 | 52,988,000 |
| Provision for loan losses | 306,000 | 1,070,000 | 1,248,000 | 1,682,000 |
| Pretax income | 8,124,000 | 16,166,000 | 24,360,000 | 32,177,000 |
| Income tax | 2,471,000 | 4,899,000 | 7,332,000 | 9,591,000 |
| Net income | 5,653,000 | 11,267,000 | 17,028,000 | 22,586,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 182,340,000 | 185,088,000 | 188,983,000 | 191,679,000 |
| Total capital | 195,532,000 | 198,981,000 | 202,824,000 | 205,573,000 |
| Risk-weighted assets | 1,311,138,000 | 1,358,467,000 | 1,363,949,000 | 1,374,518,000 |