Call reports 2016
BANK OF ANN ARBOR — 2016
What BANK OF ANN ARBOR reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 1,214,100,000 | 1,193,091,000 | 1,288,610,000 | 1,218,361,000 |
| Total loans | 868,345,000 | 896,787,000 | 888,129,000 | 919,456,000 |
| Allowance for loan losses | 15,019,000 | 15,477,000 | 15,892,000 | 16,318,000 |
| Securities available for sale | 147,749,000 | 138,946,000 | 136,161,000 | 127,958,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,025,757,000 | 1,019,635,000 | 1,118,757,000 | 1,064,717,000 |
| Interest-bearing deposits | 906,849,000 | 908,125,000 | 1,002,348,000 | 915,856,000 |
| Noninterest-bearing deposits | 118,908,000 | 111,510,000 | 116,409,000 | 148,861,000 |
| Equity capital | 95,350,000 | 100,021,000 | 104,356,000 | 108,044,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 11,157,000 | 22,494,000 | 34,274,000 | 46,689,000 |
| Interest expense | 471,000 | 912,000 | 1,369,000 | 1,790,000 |
| Net interest income | 10,686,000 | 21,582,000 | 32,905,000 | 44,899,000 |
| Noninterest income | 2,425,000 | 5,374,000 | 8,566,000 | 12,210,000 |
| Noninterest expense | 7,143,000 | 14,284,000 | 21,837,000 | 30,644,000 |
| Provision for loan losses | 490,000 | 1,156,000 | 1,829,000 | 2,209,000 |
| Pretax income | 5,478,000 | 11,516,000 | 17,805,000 | 24,256,000 |
| Income tax | 1,575,000 | 3,356,000 | 5,208,000 | 6,799,000 |
| Net income | 3,903,000 | 8,160,000 | 12,597,000 | 17,457,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 93,452,000 | 97,861,000 | 102,457,000 | 107,481,000 |
| Total capital | 105,292,000 | 110,041,000 | 114,600,000 | 120,092,000 |
| Risk-weighted assets | 944,051,000 | 971,096,000 | 967,660,000 | 1,005,136,000 |