Call reports 2012
ANN ARBOR STATE BANK — 2012
What ANN ARBOR STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 160,378,000 | 182,008,000 | 187,432,000 | 183,258,000 |
| Total loans | 91,378,000 | 96,276,000 | 96,310,000 | 98,617,000 |
| Allowance for loan losses | 1,038,000 | 1,058,000 | 1,084,000 | 1,085,000 |
| Securities available for sale | 59,581,000 | 54,276,000 | 70,551,000 | 65,949,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,430,000 | 152,033,000 | 157,484,000 | 153,169,000 |
| Interest-bearing deposits | 104,519,000 | 118,653,000 | 130,471,000 | 119,688,000 |
| Noninterest-bearing deposits | 28,911,000 | 33,380,000 | 27,013,000 | 33,481,000 |
| Equity capital | 18,485,000 | 19,412,000 | 20,264,000 | 20,511,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,798,000 | 3,659,000 | 5,562,000 | 7,459,000 |
| Interest expense | 263,000 | 514,000 | 780,000 | 1,033,000 |
| Net interest income | 1,535,000 | 3,145,000 | 4,782,000 | 6,426,000 |
| Noninterest income | 390,000 | 848,000 | 1,377,000 | 1,976,000 |
| Noninterest expense | 1,287,000 | 2,616,000 | 3,990,000 | 5,436,000 |
| Provision for loan losses | 40,000 | 80,000 | 105,000 | 105,000 |
| Pretax income | 632,000 | 1,397,000 | 2,192,000 | 3,015,000 |
| Income tax | 171,000 | 382,000 | 612,000 | 848,000 |
| Net income | 461,000 | 1,015,000 | 1,580,000 | 2,167,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,844,000 | 18,414,000 | 18,997,000 | 19,402,000 |
| Total capital | 18,882,000 | 19,472,000 | 20,081,000 | 20,487,000 |
| Risk-weighted assets | 105,401,000 | 110,736,000 | 113,409,000 | 115,872,000 |