Call reports 2012
BANK OF ANN ARBOR — 2012
What BANK OF ANN ARBOR reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 795,519,000 | 807,064,000 | 870,291,000 | 890,768,000 |
| Total loans | 489,315,000 | 507,770,000 | 513,470,000 | 540,888,000 |
| Allowance for loan losses | 8,957,000 | 9,389,000 | 9,929,000 | 10,950,000 |
| Securities available for sale | 134,214,000 | 138,580,000 | 151,123,000 | 176,512,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 703,641,000 | 711,680,000 | 764,068,000 | 793,849,000 |
| Interest-bearing deposits | 555,611,000 | 538,095,000 | 693,086,000 | 717,445,000 |
| Noninterest-bearing deposits | 148,030,000 | 173,585,000 | 70,982,000 | 76,404,000 |
| Equity capital | 55,762,000 | 58,930,000 | 61,726,000 | 63,141,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 7,905,000 | 15,889,000 | 24,097,000 | 32,681,000 |
| Interest expense | 576,000 | 1,106,000 | 1,603,000 | 2,089,000 |
| Net interest income | 7,329,000 | 14,783,000 | 22,494,000 | 30,592,000 |
| Noninterest income | 1,956,000 | 3,813,000 | 5,916,000 | 8,157,000 |
| Noninterest expense | 5,972,000 | 11,793,000 | 17,821,000 | 24,718,000 |
| Provision for loan losses | 600,000 | 1,200,000 | 1,800,000 | 2,500,000 |
| Pretax income | 2,713,000 | 5,603,000 | 8,789,000 | 11,531,000 |
| Income tax | 680,000 | 1,431,000 | 2,281,000 | 2,835,000 |
| Net income | 2,033,000 | 4,172,000 | 6,508,000 | 8,696,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,174,000 | 56,006,000 | 58,192,000 | 59,997,000 |
| Total capital | 60,318,000 | 62,403,000 | 64,583,000 | 66,903,000 |
| Risk-weighted assets | 489,252,000 | 508,781,000 | 508,017,000 | 548,466,000 |