Call reports 2008
BANK OF AUBURN HILLS — 2008
What BANK OF AUBURN HILLS 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 | 45,974,000 | 47,122,000 | 45,138,000 | 43,868,000 |
| Total loans | 41,129,000 | 40,138,000 | 40,509,000 | 39,914,000 |
| Allowance for loan losses | 980,000 | 898,000 | 933,000 | 988,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,156,000 | 40,412,000 | 38,554,000 | 37,661,000 |
| Interest-bearing deposits | 37,169,000 | 37,253,000 | 35,566,000 | 35,454,000 |
| Noninterest-bearing deposits | 1,987,000 | 3,159,000 | 2,988,000 | 2,207,000 |
| Equity capital | 6,616,000 | 6,437,000 | 6,297,000 | 5,939,000 |
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 | 717,000 | 1,397,000 | 2,048,000 | 2,674,000 |
| Interest expense | 427,000 | 808,000 | 1,172,000 | 1,512,000 |
| Net interest income | 290,000 | 589,000 | 876,000 | 1,162,000 |
| Noninterest income | 23,000 | 63,000 | 75,000 | 92,000 |
| Noninterest expense | 386,000 | 765,000 | 1,115,000 | 1,509,000 |
| Provision for loan losses | 349,000 | 579,000 | 739,000 | 1,189,000 |
| Pretax income | -422,000 | -692,000 | -903,000 | -1,444,000 |
| Income tax | -142,000 | -233,000 | -304,000 | -487,000 |
| Net income | -280,000 | -459,000 | -599,000 | -957,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,926,000 | 5,656,000 | 5,445,000 | 4,904,000 |
| Total capital | 6,444,000 | 6,168,000 | 5,954,000 | 5,395,000 |
| Risk-weighted assets | 40,947,000 | 40,594,000 | 40,261,000 | 38,799,000 |
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