Call reports 2016
ARBOR BANK — 2016
What ARBOR BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 269,254,000 | 271,245,000 | 280,391,000 | 277,105,000 |
| Total loans | 219,092,000 | 221,833,000 | 229,388,000 | 229,175,000 |
| Allowance for loan losses | 2,465,000 | 2,506,000 | 2,558,000 | 2,627,000 |
| Securities available for sale | 34,358,000 | 34,693,000 | 32,552,000 | 31,490,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 223,296,000 | 223,845,000 | 232,688,000 | 230,163,000 |
| Interest-bearing deposits | 192,656,000 | 191,643,000 | 198,761,000 | 194,829,000 |
| Noninterest-bearing deposits | 30,640,000 | 32,202,000 | 33,927,000 | 35,335,000 |
| Equity capital | 22,298,000 | 22,397,000 | 22,741,000 | 23,379,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,719,000 | 5,492,000 | 8,220,000 | 11,017,000 |
| Interest expense | 332,000 | 678,000 | 1,014,000 | 1,358,000 |
| Net interest income | 2,387,000 | 4,814,000 | 7,206,000 | 9,659,000 |
| Noninterest income | 543,000 | 1,234,000 | 2,129,000 | 2,950,000 |
| Noninterest expense | 2,313,000 | 4,681,000 | 7,295,000 | 10,111,000 |
| Provision for loan losses | 45,000 | 70,000 | 145,000 | 145,000 |
| Pretax income | 576,000 | 1,301,000 | 1,903,000 | 2,361,000 |
| Income tax | 16,000 | 48,000 | 69,000 | 90,000 |
| Net income | 560,000 | 1,253,000 | 1,834,000 | 2,271,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,903,000 | 21,936,000 | 22,280,000 | 23,517,000 |
| Total capital | 24,368,000 | 24,442,000 | 24,838,000 | 26,144,000 |
| Risk-weighted assets | 222,990,000 | 222,529,000 | 228,749,000 | 225,430,000 |