Call reports 2014
BANK OF ANN ARBOR — 2014
What BANK OF ANN ARBOR reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 964,419,000 | 955,276,000 | 1,071,268,000 | 1,075,338,000 |
| Total loans | 640,147,000 | 655,216,000 | 680,356,000 | 699,152,000 |
| Allowance for loan losses | 11,563,000 | 11,915,000 | 12,419,000 | 12,561,000 |
| Securities available for sale | 155,185,000 | 153,910,000 | 150,561,000 | 146,458,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 833,874,000 | 826,604,000 | 925,267,000 | 936,724,000 |
| Interest-bearing deposits | 753,957,000 | 734,820,000 | 828,954,000 | 838,613,000 |
| Noninterest-bearing deposits | 79,917,000 | 91,784,000 | 96,313,000 | 98,111,000 |
| Equity capital | 69,728,000 | 73,743,000 | 76,583,000 | 80,161,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 9,179,000 | 18,213,000 | 27,709,000 | 37,842,000 |
| Interest expense | 449,000 | 872,000 | 1,309,000 | 1,736,000 |
| Net interest income | 8,730,000 | 17,341,000 | 26,400,000 | 36,106,000 |
| Noninterest income | 1,920,000 | 4,125,000 | 6,460,000 | 8,742,000 |
| Noninterest expense | 6,352,000 | 12,564,000 | 19,172,000 | 27,054,000 |
| Provision for loan losses | 399,000 | 866,000 | 1,365,000 | 1,587,000 |
| Pretax income | 3,913,000 | 8,050,000 | 12,337,000 | 16,221,000 |
| Income tax | 1,066,000 | 2,192,000 | 3,393,000 | 4,278,000 |
| Net income | 2,847,000 | 5,858,000 | 8,944,000 | 11,943,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 69,479,000 | 72,648,000 | 75,298,000 | 78,472,000 |
| Total capital | 77,602,000 | 80,984,000 | 83,945,000 | 87,351,000 |
| Risk-weighted assets | 646,366,000 | 663,348,000 | 688,026,000 | 706,605,000 |