Call reports 2012
ARBOR BANK — 2012
What ARBOR BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 212,537,000 | 217,012,000 | 217,728,000 | 217,180,000 |
| Total loans | 135,312,000 | 142,208,000 | 145,138,000 | 144,162,000 |
| Allowance for loan losses | 1,801,000 | 1,891,000 | 1,953,000 | 2,069,000 |
| Securities available for sale | 50,797,000 | 56,282,000 | 49,981,000 | 52,759,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 178,269,000 | 173,792,000 | 179,621,000 | 179,724,000 |
| Interest-bearing deposits | 157,070,000 | 152,118,000 | 157,151,000 | 159,074,000 |
| Noninterest-bearing deposits | 21,199,000 | 21,674,000 | 22,470,000 | 20,650,000 |
| Equity capital | 18,962,000 | 19,476,000 | 20,131,000 | 20,012,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,405,000 | 4,537,000 | 6,717,000 | 8,848,000 |
| Interest expense | 403,000 | 801,000 | 1,200,000 | 1,591,000 |
| Net interest income | 2,002,000 | 3,736,000 | 5,517,000 | 7,257,000 |
| Noninterest income | -123,000 | 163,000 | 368,000 | 499,000 |
| Noninterest expense | 1,430,000 | 2,946,000 | 4,317,000 | 5,789,000 |
| Provision for loan losses | 50,000 | 169,000 | 409,000 | 639,000 |
| Pretax income | 399,000 | 784,000 | 1,173,000 | 1,342,000 |
| Income tax | -14,000 | -22,000 | -22,000 | -10,000 |
| Net income | 413,000 | 806,000 | 1,195,000 | 1,352,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,125,000 | 18,518,000 | 18,908,000 | 19,065,000 |
| Total capital | 19,926,000 | 20,409,000 | 20,859,000 | 20,989,000 |
| Risk-weighted assets | 150,164,000 | 153,955,000 | 156,040,000 | 153,784,000 |