Call reports 2009
BANK OF AUBURN HILLS — 2009
What BANK OF AUBURN HILLS reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 44,787,000 | 41,540,000 | 36,125,000 | 35,547,000 |
| Total loans | 37,501,000 | 34,008,000 | 31,346,000 | 30,463,000 |
| Allowance for loan losses | 1,155,000 | 1,310,000 | 1,625,000 | 1,795,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,998,000 | 36,327,000 | 33,382,000 | 33,306,000 |
| Interest-bearing deposits | 34,336,000 | 33,666,000 | 31,156,000 | 31,304,000 |
| Noninterest-bearing deposits | 4,662,000 | 2,661,000 | 2,226,000 | 2,002,000 |
| Equity capital | 5,602,000 | 4,987,000 | 2,595,000 | 2,101,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 551,000 | 1,098,000 | 1,616,000 | 2,119,000 |
| Interest expense | 298,000 | 561,000 | 805,000 | 1,025,000 |
| Net interest income | 253,000 | 537,000 | 811,000 | 1,094,000 |
| Noninterest income | 23,000 | -49,000 | -112,000 | -158,000 |
| Noninterest expense | 452,000 | 925,000 | 1,418,000 | 1,941,000 |
| Provision for loan losses | 334,000 | 1,005,000 | 1,590,000 | 1,898,000 |
| Pretax income | -510,000 | -1,442,000 | -2,309,000 | -2,903,000 |
| Income tax | -173,000 | -490,000 | 1,035,000 | 1,035,000 |
| Net income | -337,000 | -952,000 | -3,344,000 | -3,938,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,394,000 | 3,462,000 | 2,595,000 | 2,101,000 |
| Total capital | 4,857,000 | 3,900,000 | 3,001,000 | 2,499,000 |
| Risk-weighted assets | 36,322,000 | 34,198,000 | 31,228,000 | 30,464,000 |