Call reports 2007
ARBOR BANK — 2007
What ARBOR BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 78,293,000 | 155,701,000 | 159,409,000 | 171,238,000 |
| Total loans | 44,763,000 | 115,685,000 | 119,506,000 | 113,371,000 |
| Allowance for loan losses | 584,000 | 1,617,000 | 1,758,000 | 1,804,000 |
| Securities available for sale | 19,305,000 | 25,947,000 | 27,807,000 | 32,660,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,451,000 | 121,710,000 | 123,449,000 | 136,098,000 |
| Interest-bearing deposits | 52,576,000 | 105,946,000 | 109,617,000 | 121,906,000 |
| Noninterest-bearing deposits | 8,875,000 | 15,764,000 | 13,832,000 | 14,192,000 |
| Equity capital | 5,785,000 | 13,565,000 | 13,904,000 | 14,305,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,117,000 | 5,146,000 | 7,838,000 | 10,466,000 |
| Interest expense | 554,000 | 2,566,000 | 3,872,000 | 5,215,000 |
| Net interest income | 563,000 | 2,580,000 | 3,966,000 | 5,251,000 |
| Noninterest income | 113,000 | 342,000 | 535,000 | 728,000 |
| Noninterest expense | 606,000 | 1,891,000 | 2,912,000 | 4,027,000 |
| Provision for loan losses | 30,000 | 120,000 | 200,000 | 260,000 |
| Pretax income | 40,000 | 911,000 | 1,389,000 | 1,692,000 |
| Income tax | 21,000 | 61,000 | 83,000 | 97,000 |
| Net income | 19,000 | 850,000 | 1,306,000 | 1,595,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,027,000 | 13,978,000 | 14,027,000 | 14,249,000 |
| Total capital | 6,611,000 | 15,507,000 | 15,617,000 | 15,801,000 |
| Risk-weighted assets | 59,284,000 | 122,218,000 | 127,074,000 | 123,922,000 |