Bank of Ann Arbor

Bank of Ann Arbor is headquartered in Ann Arbor and is the 13^st largest bank in the state of Michigan. It is also the 855^th largest bank in the nation. It was established in 1996 and as of December of 2011, it had grown to 155 employees at 7 locations. Bank of Ann Arbor's savings rates are 6X the national average, and it boasts a 5-star health rating.

Bank of Ann Arbor Routing Number: 072413735

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Data for Q4 2011

Institution Statistics Bank of Ann Arbor FDIC Certificate # 34120 BankRate Report View Year Established 1996 Employees 155 Primary Regulator FDIC Assets and Liabilities Assets $777.70 million Loans $497.15 million Deposits $686.44 million Equity Capital $54.46 million Loan Loss Allowance $8.40 million Unbacked Noncurrent Loans $3.05 million Real Estate Owned $691,000 Historic Data - December 2010 Assets $690.93 million Equity Capital $45.65 million Loan Loss Allowance $8.25 million Unbacked Noncurrent Loans $10.06 million Real Estate Owned $1.41 million Profit Margin - Quarterly Net Interest Margin 4.28% Return on Assets 0.93% Return on Equity 13.69% Interest Income $31.55 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Bank of Ann Arbor had $3.74 million in non-current loans and owned real-estate with $62.85 million in equity and loan loss allowances on hand to cover it. This gives Bank of Ann Arbor a Texas Ratio of 5.95% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Bank of Ann Arbor decreased significantly from 21.36% as of December 31, 2010 to 5.95% as of December 31, 2011, resulting in a positive change of 72.16%.This indicates that the balance sheet and financial strength for Bank of Ann Arbor has improved significantly in recent periods. Deposit Growth In the past year, Bank of Ann Arbor has increased its total deposits by $76.32 million, resulting in 12.51% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Bank of Ann Arbor has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Bank of Ann Arbor has $777.7 million in assets with $62.85 million in equity, resulting in a capitalization level of 8.08%, which is average.

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