Call reports 2023
ARBOR BANK — 2023
What ARBOR BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 567,852,000 | 564,475,000 | 585,989,000 | 582,976,000 |
| Total loans | 432,323,000 | 461,231,000 | 482,927,000 | 480,009,000 |
| Allowance for loan losses | 4,819,000 | 4,968,000 | 5,127,000 | 5,178,000 |
| Securities available for sale | 66,995,000 | 64,195,000 | 61,612,000 | 63,437,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 513,801,000 | 495,916,000 | 514,241,000 | 504,391,000 |
| Interest-bearing deposits | 390,295,000 | 377,294,000 | 406,090,000 | 404,694,000 |
| Noninterest-bearing deposits | 123,505,000 | 118,622,000 | 108,151,000 | 99,697,000 |
| Equity capital | 51,558,000 | 51,295,000 | 50,906,000 | 53,481,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 6,290,000 | 13,140,000 | 20,503,000 | 27,769,000 |
| Interest expense | 1,076,000 | 2,621,000 | 4,993,000 | 8,076,000 |
| Net interest income | 5,214,000 | 10,519,000 | 15,510,000 | 19,693,000 |
| Noninterest income | 840,000 | 1,722,000 | 2,837,000 | 3,945,000 |
| Noninterest expense | 4,661,000 | 9,571,000 | 14,272,000 | 18,385,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 500,000 |
| Pretax income | 1,243,000 | 2,404,000 | 3,676,000 | 4,818,000 |
| Income tax | 38,000 | 95,000 | 117,000 | 140,000 |
| Net income | 1,205,000 | 2,309,000 | 3,559,000 | 4,678,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,649,000 | 54,791,000 | 55,076,000 | 56,200,000 |
| Total capital | 59,468,000 | 59,759,000 | 60,203,000 | 61,378,000 |
| Risk-weighted assets | 401,902,000 | 425,541,000 | 449,060,000 | 450,048,000 |