Call reports 2025
ARBOR BANK — 2025
What ARBOR BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 616,500,000 | 629,360,000 | 650,940,000 | 658,631,000 |
| Total loans | 517,083,000 | 532,084,000 | 555,884,000 | 569,471,000 |
| Allowance for loan losses | 5,428,000 | 5,458,000 | 5,533,000 | 5,677,000 |
| Securities available for sale | 60,508,000 | 59,734,000 | 58,233,000 | 53,852,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 558,151,000 | 556,779,000 | 566,237,000 | 558,943,000 |
| Interest-bearing deposits | 451,940,000 | 436,934,000 | 449,782,000 | 440,604,000 |
| Noninterest-bearing deposits | 106,211,000 | 119,845,000 | 116,455,000 | 118,339,000 |
| Equity capital | 55,532,000 | 55,272,000 | 56,388,000 | 58,488,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 8,817,000 | 17,711,000 | 27,203,000 | 35,603,000 |
| Interest expense | 2,906,000 | 5,844,000 | 9,003,000 | 12,109,000 |
| Net interest income | 5,911,000 | 11,867,000 | 18,200,000 | 23,494,000 |
| Noninterest income | 883,000 | 2,239,000 | 3,865,000 | 5,544,000 |
| Noninterest expense | 5,384,000 | 11,090,000 | 16,884,000 | 21,759,000 |
| Provision for loan losses | 50,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 1,360,000 | 2,866,000 | 4,956,000 | 6,966,000 |
| Income tax | 37,000 | 103,000 | 153,000 | 192,000 |
| Net income | 1,323,000 | 2,763,000 | 4,803,000 | 6,774,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,252,000 | 56,697,000 | 57,342,000 | 59,316,000 |
| Total capital | 62,680,000 | 62,155,000 | 62,875,000 | 64,993,000 |
| Risk-weighted assets | 489,969,000 | 503,960,000 | 525,929,000 | 543,659,000 |