Call reports 2009
BANK OF ANN ARBOR — 2009
What BANK OF ANN ARBOR reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 503,233,000 | 529,337,000 | 522,132,000 | 543,312,000 |
| Total loans | 386,725,000 | 408,799,000 | 371,493,000 | 390,254,000 |
| Allowance for loan losses | 5,344,000 | 5,789,000 | 4,685,000 | 5,428,000 |
| Securities available for sale | 68,818,000 | 65,514,000 | 65,871,000 | 51,880,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 424,194,000 | 426,032,000 | 446,478,000 | 465,953,000 |
| Interest-bearing deposits | 361,331,000 | 356,236,000 | 380,839,000 | 388,887,000 |
| Noninterest-bearing deposits | 62,863,000 | 69,796,000 | 65,639,000 | 77,066,000 |
| Equity capital | 38,781,000 | 39,786,000 | 41,663,000 | 40,521,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 6,134,000 | 12,704,000 | 18,979,000 | 25,200,000 |
| Interest expense | 1,289,000 | 2,469,000 | 3,589,000 | 4,653,000 |
| Net interest income | 4,845,000 | 10,235,000 | 15,390,000 | 20,547,000 |
| Noninterest income | 2,571,000 | 6,436,000 | 9,449,000 | 11,856,000 |
| Noninterest expense | 5,001,000 | 11,461,000 | 17,160,000 | 23,068,000 |
| Provision for loan losses | 1,438,000 | 3,238,000 | 5,238,000 | 7,638,000 |
| Pretax income | 977,000 | 1,972,000 | 2,441,000 | 2,200,000 |
| Income tax | 189,000 | 373,000 | 395,000 | 122,000 |
| Net income | 788,000 | 1,599,000 | 2,046,000 | 2,078,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,226,000 | 40,047,000 | 40,502,000 | 40,553,000 |
| Total capital | 44,251,000 | 45,228,000 | 45,187,000 | 45,587,000 |
| Risk-weighted assets | 402,023,000 | 414,450,000 | 393,923,000 | 402,363,000 |