Call reports 2005
ARBOR BANK — 2005
What ARBOR BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 68,028,000 | 68,370,000 | 66,903,000 | 67,968,000 |
| Total loans | 33,600,000 | 33,322,000 | 32,168,000 | 33,275,000 |
| Allowance for loan losses | 519,000 | 474,000 | 608,000 | 608,000 |
| Securities available for sale | 24,153,000 | 28,433,000 | 27,910,000 | 27,617,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,597,000 | 52,767,000 | 51,535,000 | 50,801,000 |
| Interest-bearing deposits | 46,475,000 | 45,438,000 | 44,427,000 | 43,490,000 |
| Noninterest-bearing deposits | 7,122,000 | 7,329,000 | 7,108,000 | 7,311,000 |
| Equity capital | 7,809,000 | 8,026,000 | 8,053,000 | 8,023,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 824,000 | 1,689,000 | 2,605,000 | 3,452,000 |
| Interest expense | 245,000 | 493,000 | 755,000 | 1,038,000 |
| Net interest income | 579,000 | 1,196,000 | 1,850,000 | 2,414,000 |
| Noninterest income | 79,000 | 172,000 | 258,000 | 331,000 |
| Noninterest expense | 585,000 | 1,192,000 | 1,649,000 | 2,255,000 |
| Provision for loan losses | 18,000 | 48,000 | 113,000 | 128,000 |
| Pretax income | 55,000 | 128,000 | 343,000 | 359,000 |
| Income tax | -13,000 | -19,000 | 26,000 | -1,000 |
| Net income | 68,000 | 147,000 | 317,000 | 360,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,960,000 | 8,039,000 | 8,209,000 | 8,251,000 |
| Total capital | 8,479,000 | 8,513,000 | 8,786,000 | 8,846,000 |
| Risk-weighted assets | 47,474,000 | 46,577,000 | 46,174,000 | 47,566,000 |