Call reports 2005
BANK OF ANN ARBOR — 2005
What BANK OF ANN ARBOR reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 405,610,000 | 413,826,000 | 427,785,000 | 464,564,000 |
| Total loans | 287,938,000 | 281,523,000 | 299,211,000 | 303,435,000 |
| Allowance for loan losses | 2,695,000 | 2,795,000 | 2,834,000 | 2,667,000 |
| Securities available for sale | 88,674,000 | 94,114,000 | 93,090,000 | 110,117,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 55,000 | 54,000 | 16,000 | 6,000 |
| Total deposits | 344,233,000 | 353,483,000 | 365,024,000 | 403,539,000 |
| Interest-bearing deposits | 321,243,000 | 331,777,000 | 341,854,000 | 383,875,000 |
| Noninterest-bearing deposits | 22,990,000 | 21,706,000 | 23,170,000 | 19,664,000 |
| Equity capital | 34,378,000 | 35,654,000 | 36,222,000 | 35,645,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 5,228,000 | 10,633,000 | 16,514,000 | 22,802,000 |
| Interest expense | 1,477,000 | 3,285,000 | 5,467,000 | 8,139,000 |
| Net interest income | 3,751,000 | 7,348,000 | 11,047,000 | 14,663,000 |
| Noninterest income | 1,296,000 | 2,700,000 | 4,061,000 | 5,894,000 |
| Noninterest expense | 3,195,000 | 6,344,000 | 9,385,000 | 13,260,000 |
| Provision for loan losses | 173,000 | 205,000 | 205,000 | 505,000 |
| Pretax income | 1,697,000 | 3,662,000 | 5,690,000 | 6,964,000 |
| Income tax | 451,000 | 1,025,000 | 1,602,000 | 1,922,000 |
| Net income | 1,246,000 | 2,637,000 | 4,088,000 | 5,042,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,173,000 | 36,195,000 | 37,056,000 | 36,951,000 |
| Total capital | 37,868,000 | 38,990,000 | 39,890,000 | 39,618,000 |
| Risk-weighted assets | 323,592,000 | 325,779,000 | 340,183,000 | 353,600,000 |