Call reports 2015
ARBOR BANK — 2015
What ARBOR BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 245,537,000 | 257,940,000 | 265,131,000 | 267,301,000 |
| Total loans | 186,087,000 | 202,645,000 | 210,286,000 | 216,386,000 |
| Allowance for loan losses | 2,155,000 | 2,316,000 | 2,406,000 | 2,450,000 |
| Securities available for sale | 44,276,000 | 40,133,000 | 38,623,000 | 36,884,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 205,151,000 | 207,700,000 | 212,721,000 | 223,204,000 |
| Interest-bearing deposits | 176,143,000 | 176,455,000 | 182,673,000 | 191,570,000 |
| Noninterest-bearing deposits | 29,008,000 | 31,245,000 | 30,048,000 | 31,634,000 |
| Equity capital | 20,450,000 | 20,682,000 | 21,753,000 | 21,957,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,359,000 | 4,929,000 | 7,619,000 | 10,355,000 |
| Interest expense | 279,000 | 562,000 | 877,000 | 1,213,000 |
| Net interest income | 2,080,000 | 4,367,000 | 6,742,000 | 9,142,000 |
| Noninterest income | 364,000 | 896,000 | 1,370,000 | 1,837,000 |
| Noninterest expense | 1,986,000 | 4,192,000 | 6,419,000 | 8,769,000 |
| Provision for loan losses | 90,000 | 275,000 | 360,000 | 395,000 |
| Pretax income | 368,000 | 854,000 | 1,402,000 | 1,894,000 |
| Income tax | 10,000 | 29,000 | 44,000 | 62,000 |
| Net income | 358,000 | 825,000 | 1,358,000 | 1,832,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,908,000 | 20,505,000 | 21,367,000 | 21,819,000 |
| Total capital | 22,063,000 | 22,821,000 | 23,773,000 | 24,269,000 |
| Risk-weighted assets | 196,890,000 | 207,335,000 | 216,135,000 | 221,546,000 |