Call reports 2013
ARBOR BANK — 2013
What ARBOR BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 225,234,000 | 221,356,000 | 226,416,000 | 226,545,000 |
| Total loans | 140,811,000 | 143,131,000 | 147,666,000 | 154,661,000 |
| Allowance for loan losses | 2,089,000 | 2,063,000 | 2,035,000 | 2,062,000 |
| Securities available for sale | 57,790,000 | 55,853,000 | 52,070,000 | 49,010,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 187,957,000 | 183,944,000 | 189,271,000 | 189,523,000 |
| Interest-bearing deposits | 164,099,000 | 159,548,000 | 167,054,000 | 167,702,000 |
| Noninterest-bearing deposits | 23,858,000 | 24,396,000 | 22,217,000 | 21,821,000 |
| Equity capital | 20,059,000 | 18,900,000 | 19,085,000 | 18,970,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,046,000 | 4,054,000 | 6,134,000 | 8,285,000 |
| Interest expense | 366,000 | 709,000 | 1,054,000 | 1,395,000 |
| Net interest income | 1,680,000 | 3,345,000 | 5,080,000 | 6,890,000 |
| Noninterest income | 40,000 | 225,000 | 464,000 | 600,000 |
| Noninterest expense | 1,518,000 | 3,071,000 | 4,756,000 | 6,447,000 |
| Provision for loan losses | 35,000 | 78,000 | 123,000 | 158,000 |
| Pretax income | 394,000 | 648,000 | 892,000 | 1,112,000 |
| Income tax | 16,000 | 45,000 | 58,000 | 71,000 |
| Net income | 378,000 | 603,000 | 834,000 | 1,041,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,287,000 | 19,358,000 | 19,373,000 | 19,428,000 |
| Total capital | 21,180,000 | 21,283,000 | 21,347,000 | 21,468,000 |
| Risk-weighted assets | 151,224,000 | 153,843,000 | 157,925,000 | 163,148,000 |