Call reports 2011
ARBOR BANK — 2011
What ARBOR BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 157,477,000 | 208,794,000 | 205,029,000 | 204,527,000 |
| Total loans | 95,010,000 | 132,687,000 | 128,789,000 | 131,123,000 |
| Allowance for loan losses | 1,689,000 | 2,263,000 | 1,960,000 | 1,904,000 |
| Securities available for sale | 43,428,000 | 54,328,000 | 50,738,000 | 52,041,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,790,000 | 168,143,000 | 170,484,000 | 166,266,000 |
| Interest-bearing deposits | 114,864,000 | 148,718,000 | 152,441,000 | 147,073,000 |
| Noninterest-bearing deposits | 14,926,000 | 19,425,000 | 18,043,000 | 19,193,000 |
| Equity capital | 13,405,000 | 19,018,000 | 19,402,000 | 19,111,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,668,000 | 4,612,000 | 6,854,000 | 8,978,000 |
| Interest expense | 434,000 | 1,074,000 | 1,524,000 | 1,947,000 |
| Net interest income | 1,234,000 | 3,538,000 | 5,330,000 | 7,031,000 |
| Noninterest income | 101,000 | 221,000 | 233,000 | 346,000 |
| Noninterest expense | 1,149,000 | 3,141,000 | 4,749,000 | 6,446,000 |
| Provision for loan losses | 226,000 | 348,000 | 544,000 | 674,000 |
| Pretax income | -40,000 | 294,000 | 487,000 | 621,000 |
| Income tax | 2,000 | 6,000 | 6,000 | 6,000 |
| Net income | -42,000 | 288,000 | 481,000 | 615,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,294,000 | 17,960,000 | 18,153,000 | 18,287,000 |
| Total capital | 14,685,000 | 19,791,000 | 19,972,000 | 20,121,000 |
| Risk-weighted assets | 111,018,000 | 146,072,000 | 145,371,000 | 146,240,000 |