Call reports 2010
ARBOR BANK — 2010
What ARBOR BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 157,356,000 | 159,519,000 | 153,371,000 | 154,201,000 |
| Total loans | 99,651,000 | 96,318,000 | 97,188,000 | 95,127,000 |
| Allowance for loan losses | 1,521,000 | 1,707,000 | 1,705,000 | 1,957,000 |
| Securities available for sale | 39,671,000 | 42,973,000 | 42,114,000 | 45,074,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,615,000 | 129,712,000 | 125,306,000 | 127,226,000 |
| Interest-bearing deposits | 113,490,000 | 116,650,000 | 112,954,000 | 112,949,000 |
| Noninterest-bearing deposits | 13,125,000 | 13,062,000 | 12,352,000 | 14,277,000 |
| Equity capital | 14,753,000 | 14,630,000 | 14,453,000 | 13,263,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,867,000 | 3,667,000 | 5,502,000 | 7,238,000 |
| Interest expense | 578,000 | 1,121,000 | 1,629,000 | 2,094,000 |
| Net interest income | 1,289,000 | 2,546,000 | 3,873,000 | 5,144,000 |
| Noninterest income | 178,000 | 257,000 | 215,000 | 144,000 |
| Noninterest expense | 1,256,000 | 2,307,000 | 3,849,000 | 5,098,000 |
| Provision for loan losses | 16,000 | 628,000 | 839,000 | 1,290,000 |
| Pretax income | 195,000 | -21,000 | -488,000 | -988,000 |
| Income tax | 9,000 | 17,000 | 17,000 | 0 |
| Net income | 186,000 | -38,000 | -505,000 | -988,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,511,000 | 14,286,000 | 13,819,000 | 13,336,000 |
| Total capital | 15,972,000 | 15,697,000 | 15,223,000 | 14,713,000 |
| Risk-weighted assets | 116,808,000 | 112,604,000 | 111,989,000 | 109,598,000 |