Call reports 2014
ARBOR BANK — 2014
What ARBOR BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 235,864,000 | 243,349,000 | 243,123,000 | 249,549,000 |
| Total loans | 159,266,000 | 165,272,000 | 171,738,000 | 184,762,000 |
| Allowance for loan losses | 2,105,000 | 2,112,000 | 2,159,000 | 2,314,000 |
| Securities available for sale | 50,122,000 | 58,051,000 | 57,180,000 | 47,739,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 199,383,000 | 206,605,000 | 206,369,000 | 201,636,000 |
| Interest-bearing deposits | 174,100,000 | 181,693,000 | 179,962,000 | 173,009,000 |
| Noninterest-bearing deposits | 25,283,000 | 24,912,000 | 26,407,000 | 28,627,000 |
| Equity capital | 19,036,000 | 19,494,000 | 19,553,000 | 19,901,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,105,000 | 4,301,000 | 6,612,000 | 9,039,000 |
| Interest expense | 309,000 | 614,000 | 912,000 | 1,210,000 |
| Net interest income | 1,796,000 | 3,687,000 | 5,700,000 | 7,829,000 |
| Noninterest income | 172,000 | 400,000 | 634,000 | 946,000 |
| Noninterest expense | 1,621,000 | 3,286,000 | 5,021,000 | 6,968,000 |
| Provision for loan losses | 30,000 | 50,000 | 90,000 | 225,000 |
| Pretax income | 334,000 | 768,000 | 1,240,000 | 1,604,000 |
| Income tax | 7,000 | 30,000 | 51,000 | 70,000 |
| Net income | 327,000 | 738,000 | 1,189,000 | 1,534,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,181,000 | 19,313,000 | 19,485,000 | 19,699,000 |
| Total capital | 21,286,000 | 21,425,000 | 21,644,000 | 22,013,000 |
| Risk-weighted assets | 168,743,000 | 174,758,000 | 183,396,000 | 194,769,000 |