Call reports 2003
FIRST METRO BANK — 2003
What FIRST METRO BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 230,779,000 | 241,307,000 | 243,371,000 | 242,124,000 |
| Total loans | 140,792,000 | 143,340,000 | 149,572,000 | 151,805,000 |
| Allowance for loan losses | 2,082,000 | 2,141,000 | 2,199,000 | 2,083,000 |
| Securities available for sale | 53,730,000 | 53,342,000 | 53,647,000 | 53,476,000 |
| Securities held to maturity | 7,176,000 | 6,582,000 | 6,371,000 | 6,311,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 207,309,000 | 217,211,000 | 218,910,000 | 216,901,000 |
| Interest-bearing deposits | 199,769,000 | 209,703,000 | 211,099,000 | 209,051,000 |
| Noninterest-bearing deposits | 7,540,000 | 7,509,000 | 7,810,000 | 7,850,000 |
| Equity capital | 22,352,000 | 23,174,000 | 23,553,000 | 24,272,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,330,000 | 6,672,000 | 9,937,000 | 13,213,000 |
| Interest expense | 1,076,000 | 2,111,000 | 3,095,000 | 3,998,000 |
| Net interest income | 2,254,000 | 4,561,000 | 6,842,000 | 9,215,000 |
| Noninterest income | 551,000 | 1,142,000 | 1,731,000 | 2,334,000 |
| Noninterest expense | 1,427,000 | 2,915,000 | 4,396,000 | 5,878,000 |
| Provision for loan losses | 145,000 | 265,000 | 380,000 | 415,000 |
| Pretax income | 1,233,000 | 2,523,000 | 3,797,000 | 5,256,000 |
| Income tax | 468,000 | 948,000 | 1,425,000 | 1,963,000 |
| Net income | 765,000 | 1,575,000 | 2,372,000 | 3,293,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,630,000 | 22,783,000 | 23,578,000 | 24,291,000 |
| Total capital | 23,487,000 | 24,693,000 | 25,578,000 | 26,269,000 |
| Risk-weighted assets | 148,221,000 | 152,600,000 | 159,778,000 | 158,159,000 |
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