Call reports 2009
ARBOR BANK — 2009
What ARBOR BANK 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 | 166,304,000 | 163,177,000 | 163,028,000 | 163,743,000 |
| Total loans | 108,599,000 | 106,122,000 | 103,692,000 | 98,997,000 |
| Allowance for loan losses | 1,738,000 | 1,786,000 | 1,677,000 | 1,577,000 |
| Securities available for sale | 39,618,000 | 41,452,000 | 47,818,000 | 38,225,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 131,453,000 | 130,434,000 | 128,858,000 | 130,331,000 |
| Interest-bearing deposits | 97,384,000 | 118,365,000 | 116,796,000 | 116,091,000 |
| Noninterest-bearing deposits | 34,069,000 | 12,069,000 | 12,062,000 | 14,240,000 |
| Equity capital | 15,440,000 | 15,163,000 | 15,709,000 | 14,972,000 |
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 | 2,121,000 | 4,229,000 | 6,225,000 | 8,162,000 |
| Interest expense | 905,000 | 1,731,000 | 2,487,000 | 3,150,000 |
| Net interest income | 1,216,000 | 2,498,000 | 3,738,000 | 5,012,000 |
| Noninterest income | 151,000 | 126,000 | 280,000 | 403,000 |
| Noninterest expense | 1,056,000 | 2,130,000 | 3,398,000 | 4,768,000 |
| Provision for loan losses | 40,000 | 116,000 | 188,000 | 885,000 |
| Pretax income | 364,000 | 714,000 | 768,000 | 359,000 |
| Income tax | 18,000 | 36,000 | 42,000 | 49,000 |
| Net income | 346,000 | 678,000 | 726,000 | 310,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,872,000 | 15,042,000 | 15,091,000 | 14,674,000 |
| Total capital | 16,357,000 | 16,510,000 | 16,562,000 | 16,123,000 |
| Risk-weighted assets | 118,566,000 | 117,154,000 | 121,965,000 | 115,029,000 |