Call reports 2015
BANK OF ANN ARBOR — 2015
What BANK OF ANN ARBOR reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 1,101,542,000 | 1,095,190,000 | 1,220,191,000 | 1,224,773,000 |
| Total loans | 738,360,000 | 775,313,000 | 822,413,000 | 853,251,000 |
| Allowance for loan losses | 12,803,000 | 13,407,000 | 13,833,000 | 14,652,000 |
| Securities available for sale | 143,843,000 | 137,958,000 | 147,209,000 | 146,181,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 955,052,000 | 945,215,000 | 1,033,633,000 | 1,055,333,000 |
| Interest-bearing deposits | 854,144,000 | 845,971,000 | 924,101,000 | 941,206,000 |
| Noninterest-bearing deposits | 100,908,000 | 99,244,000 | 109,532,000 | 114,127,000 |
| Equity capital | 82,373,000 | 85,593,000 | 90,087,000 | 93,512,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 9,844,000 | 20,276,000 | 31,643,000 | 42,478,000 |
| Interest expense | 420,000 | 837,000 | 1,278,000 | 1,734,000 |
| Net interest income | 9,424,000 | 19,439,000 | 30,365,000 | 40,744,000 |
| Noninterest income | 2,423,000 | 4,988,000 | 7,565,000 | 11,303,000 |
| Noninterest expense | 6,681,000 | 13,290,000 | 20,357,000 | 29,201,000 |
| Provision for loan losses | 478,000 | 1,230,000 | 1,865,000 | 2,680,000 |
| Pretax income | 4,688,000 | 9,907,000 | 15,708,000 | 20,166,000 |
| Income tax | 1,338,000 | 2,855,000 | 4,584,000 | 5,691,000 |
| Net income | 3,350,000 | 7,052,000 | 11,124,000 | 14,475,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 80,286,000 | 84,176,000 | 88,398,000 | 91,892,000 |
| Total capital | 89,701,000 | 94,192,000 | 98,933,000 | 103,449,000 |
| Risk-weighted assets | 749,835,000 | 797,856,000 | 839,475,000 | 921,427,000 |