Call reports 2006
BANK OF ANN ARBOR — 2006
What BANK OF ANN ARBOR reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 446,317,000 | 467,311,000 | 465,838,000 | 448,823,000 |
| Total loans | 305,390,000 | 318,965,000 | 319,259,000 | 329,613,000 |
| Allowance for loan losses | 2,768,000 | 2,888,000 | 2,957,000 | 2,979,000 |
| Securities available for sale | 110,432,000 | 105,742,000 | 99,727,000 | 83,568,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 1,000 | 1,000 | 1,000 | 1,000 |
| Total deposits | 374,656,000 | 393,426,000 | 397,551,000 | 377,864,000 |
| Interest-bearing deposits | 357,184,000 | 375,924,000 | 380,298,000 | 359,373,000 |
| Noninterest-bearing deposits | 17,472,000 | 17,502,000 | 17,253,000 | 18,491,000 |
| Equity capital | 35,166,000 | 35,274,000 | 36,466,000 | 36,107,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 6,525,000 | 13,352,000 | 20,418,000 | 27,377,000 |
| Interest expense | 3,032,000 | 6,600,000 | 10,379,000 | 14,049,000 |
| Net interest income | 3,493,000 | 6,752,000 | 10,039,000 | 13,328,000 |
| Noninterest income | 1,148,000 | 2,300,000 | 3,551,000 | 4,812,000 |
| Noninterest expense | 3,081,000 | 6,042,000 | 8,866,000 | 11,882,000 |
| Provision for loan losses | 100,000 | 200,000 | 300,000 | 400,000 |
| Pretax income | 1,460,000 | 2,810,000 | 4,424,000 | 5,858,000 |
| Income tax | 410,000 | 762,000 | 1,224,000 | 1,627,000 |
| Net income | 1,050,000 | 2,048,000 | 3,200,000 | 4,231,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,507,000 | 37,131,000 | 37,562,000 | 36,972,000 |
| Total capital | 39,275,000 | 40,019,000 | 40,519,000 | 39,951,000 |
| Risk-weighted assets | 353,491,000 | 365,138,000 | 366,724,000 | 371,556,000 |