Arrow Financial Corporation (AROW) quarterly income statement — complete revenue, gross profit & net income history
| Net Interest Income | 36.13M | 35.14M | 34.13M | 32.53M | 31.36M | 29.69M | 28.44M | 27.15M | 26.45M | 25.61M | 25.35M | 25.77M |
| NII Growth % | 15.22% | 18.38% | 20.02% | 19.82% | 18.53% | 15.91% | 12.17% | 5.35% | -5.83% | -16.24% | -17.95% | -11.25% |
| Net Interest Margin % | 0.8% | 0.79% | 0.74% | 0.74% | 0.7% | 0.69% | 0.64% | 0.64% | 0.61% | 0.61% | 0.59% | 0.63% |
| Interest Income | 53.79M | 54.61M | 53.6M | 51.57M | 50.37M | 50.9M | 49.44M | 47.97M | 46.68M | 44.32M | 42.12M | 40.01M |
| Interest Expense | 17.66M | 19.47M | 19.47M | 19.04M | 19.01M | 21.21M | 21M | 20.82M | 20.22M | 18.71M | 16.76M | 14.24M |
| Loan Loss Provision | 548K | 846K | 815K | 594K | 5.02M | 2.85M | 934K | 775K | 617K | 525K | 354K | 948K |
| Non-Interest Income | 8.63M | 8.27M | 8.72M | 7.61M | 7.84M | 4.23M | 8.13M | 7.86M | 7.86M | 7.48M | 8.05M | 6.91M |
| Non-Interest Income % | 13.82% | 13.15% | 13.99% | 12.86% | 13.47% | 7.67% | 14.13% | 14.07% | 14.41% | 14.45% | 16.05% | 14.72% |
| Total Revenue | 62.42M | 62.88M | 62.31M | 59.18M | 58.2M | 55.13M | 57.58M | 55.83M | 54.53M | 51.81M | 50.17M | 46.92M |
| Revenue Growth % | 7.25% | 14.06% | 8.23% | 6.01% | 6.73% | 6.41% | 14.77% | 18.99% | 27.46% | 20.29% | 19.35% | 22.39% |
| Non-Interest Expense | 26.86M | 25.8M | 25.43M | 25.65M | 26.05M | 25.84M | 24.1M | 23.32M | 24.01M | 23.19M | 23.48M | 24.08M |
| Efficiency Ratio | 43.04% | 41.04% | 40.81% | 43.34% | 44.75% | 46.87% | 41.86% | 41.77% | 44.03% | 44.76% | 46.8% | 51.33% |
| Operating Income | 17.34M | 16.76M | 16.6M | 13.9M | 8.13M | 5.22M | 11.54M | 10.91M | 9.68M | 9.38M | 9.57M | 7.65M |
| Operating Margin % | 27.79% | 26.66% | 26.64% | 23.48% | 13.97% | 9.47% | 20.04% | 19.55% | 17.76% | 18.11% | 19.08% | 16.3% |
| Operating Income Growth % | 113.29% | 220.97% | 43.88% | 27.31% | -16.03% | -44.34% | 20.55% | 42.74% | -11.33% | -39.64% | -38.52% | -50.77% |
| Pretax Income | 17.34M | 16.76M | 16.6M | 13.9M | 8.13M | 5.22M | 11.54M | 10.91M | 9.68M | 9.38M | 9.57M | 7.65M |
| Pretax Margin % | 27.79% | 26.66% | 26.64% | 23.48% | 13.97% | 9.47% | 20.04% | 19.55% | 17.76% | 18.11% | 19.08% | 16.3% |
| Income Tax | 3.86M | 2.75M | 3.77M | 3.09M | 1.82M | 752K | 2.56M | 2.31M | 2.02M | 1.66M | 1.83M | 1.6M |
| Effective Tax Rate % | 22.25% | 16.4% | 22.74% | 22.24% | 22.41% | 14.4% | 22.21% | 21.17% | 20.9% | 17.68% | 19.09% | 20.92% |
| Net Income | 13.48M | 14.01M | 12.82M | 10.8M | 6.31M | 4.47M | 8.97M | 8.6M | 7.66M | 7.72M | 7.74M | 6.05M |
| Net Margin % | 21.6% | 22.29% | 20.58% | 18.26% | 10.84% | 8.11% | 15.59% | 15.41% | 14.05% | 14.91% | 15.43% | 12.89% |
| Net Income Growth % | 113.71% | 213.49% | 42.9% | 25.58% | -17.62% | -42.12% | 15.91% | 42.29% | -10.53% | -36.1% | -36.34% | -49.5% |
| Net Income (Continuing) | 13.48M | 14.01M | 12.82M | 10.8M | 6.31M | 4.47M | 8.97M | 8.6M | 7.66M | 7.72M | 7.74M | 6.05M |
| EPS (Diluted) | 0.82 | 0.85 | 0.78 | 0.65 | 0.38 | 0.27 | 0.54 | 0.51 | 0.45 | 0.45 | 0.46 | 0.35 |
| EPS Growth % | 115.79% | 214.81% | 44.44% | 27.45% | -15.56% | -40% | 17.39% | 45.71% | -10% | -36.62% | -36.99% | -51.39% |
| EPS (Basic) | 0.82 | 0.85 | 0.78 | 0.65 | 0.38 | 0.27 | 0.54 | 0.52 | 0.45 | 0.45 | 0.46 | 0.35 |
| Diluted Shares Outstanding | 16.4M | 16.41M | 16.41M | 16.55M | 16.67M | 16.74M | 16.74M | 16.71M | 16.87M | 17M | 17.05M | 17.05M |