Call reports 2019
ARBOR BANK — 2019
What ARBOR BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 342,409,000 | 346,664,000 | 352,161,000 | 365,025,000 |
| Total loans | 294,648,000 | 302,279,000 | 307,930,000 | 316,284,000 |
| Allowance for loan losses | 2,949,000 | 3,023,000 | 2,884,000 | 3,019,000 |
| Securities available for sale | 26,333,000 | 24,903,000 | 27,494,000 | 27,560,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 298,655,000 | 301,359,000 | 300,240,000 | 311,017,000 |
| Interest-bearing deposits | 250,921,000 | 253,982,000 | 251,085,000 | 257,451,000 |
| Noninterest-bearing deposits | 47,734,000 | 47,377,000 | 49,155,000 | 53,566,000 |
| Equity capital | 28,331,000 | 28,452,000 | 29,577,000 | 30,202,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 4,163,000 | 8,323,000 | 12,620,000 | 16,869,000 |
| Interest expense | 815,000 | 1,697,000 | 2,612,000 | 3,523,000 |
| Net interest income | 3,348,000 | 6,626,000 | 10,008,000 | 13,346,000 |
| Noninterest income | 853,000 | 1,881,000 | 3,445,000 | 4,935,000 |
| Noninterest expense | 2,960,000 | 6,205,000 | 9,757,000 | 13,785,000 |
| Provision for loan losses | 90,000 | 230,000 | 500,000 | 630,000 |
| Pretax income | 1,151,000 | 2,104,000 | 3,256,000 | 3,926,000 |
| Income tax | 38,000 | 85,000 | 119,000 | 153,000 |
| Net income | 1,113,000 | 2,019,000 | 3,137,000 | 3,773,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,361,000 | 28,258,000 | 29,379,000 | 30,020,000 |
| Total capital | 31,310,000 | 31,281,000 | 32,263,000 | 33,039,000 |
| Risk-weighted assets | 288,537,000 | 293,925,000 | 303,473,000 | 296,330,000 |