Call reports 2007
BANK OF AUBURN HILLS — 2007
What BANK OF AUBURN HILLS 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 | 34,746,000 | 44,463,000 | 49,435,000 | 44,778,000 |
| Total loans | 30,670,000 | 34,835,000 | 33,878,000 | 36,586,000 |
| Allowance for loan losses | 460,000 | 575,000 | 717,000 | 820,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,191,000 | 37,010,000 | 42,047,000 | 37,643,000 |
| Interest-bearing deposits | 25,749,000 | 34,002,000 | 39,654,000 | 35,229,000 |
| Noninterest-bearing deposits | 1,442,000 | 3,008,000 | 2,393,000 | 2,414,000 |
| Equity capital | 7,243,000 | 7,147,000 | 7,017,000 | 6,896,000 |
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 | 692,000 | 1,425,000 | 2,278,000 | 3,101,000 |
| Interest expense | 291,000 | 673,000 | 1,139,000 | 1,601,000 |
| Net interest income | 401,000 | 752,000 | 1,139,000 | 1,500,000 |
| Noninterest income | 65,000 | 94,000 | 140,000 | 196,000 |
| Noninterest expense | 361,000 | 742,000 | 1,103,000 | 1,494,000 |
| Provision for loan losses | 86,000 | 201,000 | 496,000 | 702,000 |
| Pretax income | 19,000 | -97,000 | -320,000 | -500,000 |
| Income tax | 8,000 | -12,000 | -105,000 | -164,000 |
| Net income | 11,000 | -85,000 | -215,000 | -336,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,867,000 | 6,751,000 | 6,528,000 | 6,348,000 |
| Total capital | 7,251,000 | 7,192,000 | 6,982,000 | 6,817,000 |
| Risk-weighted assets | 30,628,000 | 35,140,000 | 36,084,000 | 37,201,000 |