Call reports 2020
ARBOR BANK — 2020
What ARBOR BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 386,400,000 | 448,775,000 | 465,414,000 | 484,834,000 |
| Total loans | 332,624,000 | 394,942,000 | 393,034,000 | 385,507,000 |
| Allowance for loan losses | 3,072,000 | 3,196,000 | 3,320,000 | 3,843,000 |
| Securities available for sale | 26,153,000 | 25,775,000 | 31,135,000 | 31,012,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 308,905,000 | 373,945,000 | 395,458,000 | 414,500,000 |
| Interest-bearing deposits | 255,797,000 | 287,951,000 | 314,509,000 | 320,178,000 |
| Noninterest-bearing deposits | 53,108,000 | 85,994,000 | 80,949,000 | 94,322,000 |
| Equity capital | 30,474,000 | 31,802,000 | 33,972,000 | 35,313,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 4,162,000 | 8,600,000 | 13,218,000 | 18,867,000 |
| Interest expense | 796,000 | 1,444,000 | 2,010,000 | 2,545,000 |
| Net interest income | 3,366,000 | 7,156,000 | 11,208,000 | 16,322,000 |
| Noninterest income | 1,156,000 | 2,823,000 | 5,538,000 | 8,288,000 |
| Noninterest expense | 3,549,000 | 7,583,000 | 12,069,000 | 17,886,000 |
| Provision for loan losses | 112,000 | 224,000 | 335,000 | 947,000 |
| Pretax income | 865,000 | 2,176,000 | 4,346,000 | 5,781,000 |
| Income tax | 24,000 | 70,000 | 107,000 | 159,000 |
| Net income | 841,000 | 2,106,000 | 4,239,000 | 5,622,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,368,000 | 31,179,000 | 33,316,000 | 34,704,000 |
| Total capital | 33,440,000 | 34,375,000 | 36,636,000 | 38,547,000 |
| Risk-weighted assets | 308,903,000 | 302,720,000 | 308,116,000 | 321,288,000 |