Call reports 2007
BANK OF ANN ARBOR — 2007
What BANK OF ANN ARBOR reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 466,525,000 | 458,917,000 | 459,622,000 | 476,084,000 |
| Total loans | 328,113,000 | 325,777,000 | 340,723,000 | 332,778,000 |
| Allowance for loan losses | 3,087,000 | 3,201,000 | 3,372,000 | 3,053,000 |
| Securities available for sale | 79,422,000 | 77,417,000 | 82,419,000 | 81,707,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 396,425,000 | 381,442,000 | 393,406,000 | 406,039,000 |
| Interest-bearing deposits | 378,406,000 | 361,815,000 | 375,381,000 | 386,592,000 |
| Noninterest-bearing deposits | 18,019,000 | 19,627,000 | 18,025,000 | 19,447,000 |
| Equity capital | 35,802,000 | 36,326,000 | 38,115,000 | 38,048,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 6,952,000 | 13,960,000 | 21,085,000 | 27,921,000 |
| Interest expense | 3,603,000 | 7,147,000 | 10,711,000 | 14,057,000 |
| Net interest income | 3,349,000 | 6,813,000 | 10,374,000 | 13,864,000 |
| Noninterest income | 1,262,000 | 2,673,000 | 4,065,000 | 5,793,000 |
| Noninterest expense | 3,035,000 | 6,164,000 | 9,199,000 | 12,781,000 |
| Provision for loan losses | 113,000 | 225,000 | 408,000 | 1,133,000 |
| Pretax income | 1,463,000 | 3,097,000 | 4,832,000 | 5,833,000 |
| Income tax | 397,000 | 857,000 | 1,352,000 | 1,573,000 |
| Net income | 1,066,000 | 2,240,000 | 3,480,000 | 4,260,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,474,000 | 37,307,000 | 38,607,000 | 38,177,000 |
| Total capital | 39,561,000 | 40,508,000 | 41,979,000 | 41,230,000 |
| Risk-weighted assets | 374,759,000 | 370,550,000 | 380,034,000 | 378,960,000 |