Call reports 2004
ARBOR BANK — 2004
What ARBOR BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 68,724,000 | 69,090,000 | 70,147,000 | 69,535,000 |
| Total loans | 34,708,000 | 35,463,000 | 36,603,000 | 37,260,000 |
| Allowance for loan losses | 715,000 | 621,000 | 473,000 | 472,000 |
| Securities available for sale | 30,996,000 | 30,333,000 | 29,235,000 | 25,178,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,660,000 | 50,457,000 | 52,096,000 | 53,388,000 |
| Interest-bearing deposits | 45,781,000 | 44,035,000 | 45,372,000 | 46,023,000 |
| Noninterest-bearing deposits | 6,879,000 | 6,422,000 | 6,724,000 | 7,365,000 |
| Equity capital | 7,988,000 | 7,693,000 | 8,123,000 | 8,146,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 850,000 | 1,747,000 | 2,622,000 | 3,506,000 |
| Interest expense | 233,000 | 477,000 | 720,000 | 970,000 |
| Net interest income | 617,000 | 1,270,000 | 1,902,000 | 2,536,000 |
| Noninterest income | 82,000 | 188,000 | 286,000 | 390,000 |
| Noninterest expense | 522,000 | 1,066,000 | 1,635,000 | 2,220,000 |
| Provision for loan losses | 4,000 | 9,000 | 14,000 | 48,000 |
| Pretax income | 173,000 | 376,000 | 532,000 | 620,000 |
| Income tax | 32,000 | 74,000 | 96,000 | 94,000 |
| Net income | 141,000 | 302,000 | 436,000 | 526,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,707,000 | 7,868,000 | 8,002,000 | 8,092,000 |
| Total capital | 8,227,000 | 8,404,000 | 8,475,000 | 8,564,000 |
| Risk-weighted assets | 41,427,000 | 42,931,000 | 47,406,000 | 48,759,000 |