Call reports 2006
BANK OF AUBURN HILLS — 2006
What BANK OF AUBURN HILLS 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 | 14,236,000 | 21,937,000 | 28,099,000 | 31,567,000 |
| Total loans | 12,318,000 | 19,159,000 | 24,323,000 | 26,432,000 |
| Allowance for loan losses | 180,000 | 285,000 | 395,000 | 410,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 6,804,000 | 14,545,000 | 20,677,000 | 24,048,000 |
| Interest-bearing deposits | 5,575,000 | 13,128,000 | 19,470,000 | 21,853,000 |
| Noninterest-bearing deposits | 1,229,000 | 1,417,000 | 1,207,000 | 2,195,000 |
| Equity capital | 7,412,000 | 7,277,000 | 7,215,000 | 7,232,000 |
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 | 228,000 | 591,000 | 1,127,000 | 1,733,000 |
| Interest expense | 26,000 | 133,000 | 350,000 | 623,000 |
| Net interest income | 202,000 | 458,000 | 777,000 | 1,110,000 |
| Noninterest income | 8,000 | 12,000 | 67,000 | 117,000 |
| Noninterest expense | 348,000 | 705,000 | 1,062,000 | 1,403,000 |
| Provision for loan losses | 90,000 | 195,000 | 305,000 | 320,000 |
| Pretax income | -228,000 | -430,000 | -523,000 | -496,000 |
| Income tax | -77,000 | -144,000 | -175,000 | -165,000 |
| Net income | -151,000 | -286,000 | -348,000 | -331,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,116,000 | 6,914,000 | 6,821,000 | 6,848,000 |
| Total capital | 7,273,000 | 7,157,000 | 7,112,000 | 7,186,000 |
| Risk-weighted assets | 12,564,000 | 19,400,000 | 23,185,000 | 26,978,000 |