Call reports 2013
BANK OF ANN ARBOR — 2013
What BANK OF ANN ARBOR reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 850,176,000 | 882,484,000 | 948,259,000 | 970,068,000 |
| Total loans | 538,643,000 | 583,241,000 | 601,721,000 | 618,997,000 |
| Allowance for loan losses | 11,164,000 | 11,606,000 | 11,573,000 | 11,267,000 |
| Securities available for sale | 172,461,000 | 171,399,000 | 157,822,000 | 155,014,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 747,486,000 | 782,050,000 | 827,053,000 | 847,447,000 |
| Interest-bearing deposits | 676,537,000 | 709,821,000 | 748,850,000 | 730,234,000 |
| Noninterest-bearing deposits | 70,949,000 | 72,229,000 | 78,203,000 | 117,213,000 |
| Equity capital | 65,000,000 | 66,132,000 | 65,421,000 | 67,409,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 8,550,000 | 17,803,000 | 27,109,000 | 36,252,000 |
| Interest expense | 459,000 | 913,000 | 1,388,000 | 1,842,000 |
| Net interest income | 8,091,000 | 16,890,000 | 25,721,000 | 34,410,000 |
| Noninterest income | 1,963,000 | 4,157,000 | 6,009,000 | 7,933,000 |
| Noninterest expense | 6,455,000 | 12,980,000 | 19,176,000 | 26,582,000 |
| Provision for loan losses | 695,000 | 1,380,000 | 1,897,000 | 2,495,000 |
| Pretax income | 2,904,000 | 6,714,000 | 10,684,000 | 13,293,000 |
| Income tax | 729,000 | 1,768,000 | 2,877,000 | 3,340,000 |
| Net income | 2,175,000 | 4,946,000 | 7,807,000 | 9,953,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,291,000 | 65,180,000 | 66,451,000 | 68,180,000 |
| Total capital | 69,214,000 | 72,611,000 | 74,114,000 | 76,073,000 |
| Risk-weighted assets | 549,637,000 | 589,837,000 | 609,112,000 | 628,052,000 |