Call reports 2021
ARBOR BANK — 2021
What ARBOR BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 516,883,000 | 519,290,000 | 516,919,000 | 530,797,000 |
| Total loans | 413,330,000 | 388,527,000 | 391,615,000 | 381,771,000 |
| Allowance for loan losses | 4,005,000 | 4,070,000 | 4,146,000 | 4,389,000 |
| Securities available for sale | 34,403,000 | 33,851,000 | 33,076,000 | 36,529,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 443,819,000 | 443,115,000 | 440,583,000 | 458,571,000 |
| Interest-bearing deposits | 316,941,000 | 320,631,000 | 319,529,000 | 343,107,000 |
| Noninterest-bearing deposits | 126,878,000 | 122,484,000 | 121,054,000 | 115,464,000 |
| Equity capital | 39,480,000 | 42,774,000 | 42,966,000 | 42,956,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 4,527,000 | 10,991,000 | 15,178,000 | 19,517,000 |
| Interest expense | 402,000 | 754,000 | 1,052,000 | 1,326,000 |
| Net interest income | 4,125,000 | 10,237,000 | 14,126,000 | 18,191,000 |
| Noninterest income | 2,118,000 | 4,478,000 | 6,505,000 | 8,084,000 |
| Noninterest expense | 4,441,000 | 9,345,000 | 14,070,000 | 19,212,000 |
| Provision for loan losses | 162,000 | 274,000 | 348,000 | 588,000 |
| Pretax income | 1,640,000 | 5,096,000 | 6,213,000 | 6,475,000 |
| Income tax | 33,000 | 135,000 | 216,000 | 302,000 |
| Net income | 1,607,000 | 4,961,000 | 5,997,000 | 6,173,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,965,000 | 42,324,000 | 42,614,000 | 42,795,000 |
| Total capital | 42,970,000 | 46,394,000 | 46,760,000 | 47,184,000 |
| Risk-weighted assets | 342,012,000 | 340,112,000 | 353,594,000 | 361,892,000 |