Call reports 2019
BANK OF ANN ARBOR — 2019
What BANK OF ANN ARBOR reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 1,644,480,000 | 1,768,332,000 | 1,713,848,000 | 1,756,512,000 |
| Total loans | 1,330,760,000 | 1,310,697,000 | 1,344,289,000 | 1,361,717,000 |
| Allowance for loan losses | 19,004,000 | 19,228,000 | 19,015,000 | 19,333,000 |
| Securities available for sale | 94,850,000 | 80,656,000 | 80,191,000 | 67,774,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,331,678,000 | 1,458,168,000 | 1,377,286,000 | 1,395,253,000 |
| Interest-bearing deposits | 1,187,414,000 | 1,314,261,000 | 1,227,617,000 | 1,227,450,000 |
| Noninterest-bearing deposits | 144,264,000 | 143,907,000 | 149,669,000 | 167,803,000 |
| Equity capital | 186,341,000 | 193,771,000 | 194,841,000 | 202,784,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 19,671,000 | 39,650,000 | 59,825,000 | 79,772,000 |
| Interest expense | 2,355,000 | 4,722,000 | 7,208,000 | 9,298,000 |
| Net interest income | 17,316,000 | 34,928,000 | 52,617,000 | 70,474,000 |
| Noninterest income | 3,057,000 | 6,269,000 | 10,315,000 | 14,111,000 |
| Noninterest expense | 9,874,000 | 20,088,000 | 30,496,000 | 42,659,000 |
| Provision for loan losses | 496,000 | 936,000 | 1,321,000 | 1,923,000 |
| Pretax income | 10,003,000 | 20,173,000 | 31,115,000 | 40,003,000 |
| Income tax | 1,899,000 | 3,900,000 | 5,927,000 | 7,127,000 |
| Net income | 8,104,000 | 16,273,000 | 25,188,000 | 32,876,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 170,624,000 | 177,847,000 | 179,139,000 | 187,184,000 |
| Total capital | 189,129,000 | 196,234,000 | 198,096,000 | 206,461,000 |
| Risk-weighted assets | 1,479,925,000 | 1,470,101,000 | 1,516,528,000 | 1,542,136,000 |