Call reports 2006
ARBOR BANK — 2006
What ARBOR BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 68,006,000 | 75,498,000 | 75,748,000 | 77,083,000 |
| Total loans | 36,686,000 | 41,848,000 | 45,330,000 | 45,047,000 |
| Allowance for loan losses | 598,000 | 610,000 | 476,000 | 543,000 |
| Securities available for sale | 24,109,000 | 22,525,000 | 22,702,000 | 19,778,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,216,000 | 55,617,000 | 56,618,000 | 59,033,000 |
| Interest-bearing deposits | 44,017,000 | 47,519,000 | 49,672,000 | 50,679,000 |
| Noninterest-bearing deposits | 8,199,000 | 8,098,000 | 6,946,000 | 8,354,000 |
| Equity capital | 7,881,000 | 7,880,000 | 6,233,000 | 6,239,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 880,000 | 1,880,000 | 2,983,000 | 4,091,000 |
| Interest expense | 317,000 | 702,000 | 1,174,000 | 1,722,000 |
| Net interest income | 563,000 | 1,178,000 | 1,809,000 | 2,369,000 |
| Noninterest income | 96,000 | 211,000 | 312,000 | 423,000 |
| Noninterest expense | 637,000 | 1,276,000 | 1,878,000 | 2,478,000 |
| Provision for loan losses | 7,000 | 15,000 | 43,000 | 103,000 |
| Pretax income | 12,000 | 82,000 | 184,000 | 195,000 |
| Income tax | -28,000 | -30,000 | -30,000 | -27,000 |
| Net income | 40,000 | 112,000 | 214,000 | 222,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,191,000 | 8,263,000 | 6,430,000 | 6,438,000 |
| Total capital | 8,789,000 | 8,873,000 | 6,906,000 | 6,981,000 |
| Risk-weighted assets | 50,646,000 | 56,482,000 | 57,959,000 | 58,206,000 |