Call reports 2015
ANN ARBOR STATE BANK — 2015
What ANN ARBOR STATE BANK 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 | 232,487,000 | 233,820,000 | 250,598,000 | 248,544,000 |
| Total loans | 138,670,000 | 146,395,000 | 154,496,000 | 152,192,000 |
| Allowance for loan losses | 1,265,000 | 1,295,000 | 1,215,000 | 1,160,000 |
| Securities available for sale | 73,828,000 | 70,727,000 | 66,070,000 | 71,586,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 189,173,000 | 187,293,000 | 205,694,000 | 203,744,000 |
| Interest-bearing deposits | 137,235,000 | 136,034,000 | 150,835,000 | 149,316,000 |
| Noninterest-bearing deposits | 51,938,000 | 51,259,000 | 54,859,000 | 54,428,000 |
| Equity capital | 25,956,000 | 26,096,000 | 27,295,000 | 27,436,000 |
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 | 2,198,000 | 4,462,000 | 6,777,000 | 9,177,000 |
| Interest expense | 220,000 | 444,000 | 676,000 | 912,000 |
| Net interest income | 1,978,000 | 4,018,000 | 6,101,000 | 8,265,000 |
| Noninterest income | 414,000 | 899,000 | 1,495,000 | 1,953,000 |
| Noninterest expense | 1,302,000 | 2,904,000 | 4,414,000 | 6,052,000 |
| Provision for loan losses | 65,000 | 95,000 | 155,000 | 200,000 |
| Pretax income | 1,074,000 | 2,007,000 | 3,170,000 | 4,166,000 |
| Income tax | 225,000 | 489,000 | 758,000 | 1,014,000 |
| Net income | 849,000 | 1,518,000 | 2,412,000 | 3,152,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,005,000 | 25,684,000 | 26,589,000 | 26,839,000 |
| Total capital | 26,322,000 | 26,988,000 | 27,813,000 | 28,009,000 |
| Risk-weighted assets | 166,363,000 | 172,034,000 | 177,189,000 | 180,922,000 |