Call reports 2004
FIRST METRO BANK — 2004
What FIRST METRO BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 255,537,000 | 255,753,000 | 261,960,000 | 260,906,000 |
| Total loans | 153,391,000 | 162,510,000 | 168,956,000 | 168,598,000 |
| Allowance for loan losses | 2,066,000 | 2,061,000 | 2,107,000 | 2,103,000 |
| Securities available for sale | 59,234,000 | 58,441,000 | 54,592,000 | 51,125,000 |
| Securities held to maturity | 6,683,000 | 8,576,000 | 14,309,000 | 18,197,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 229,167,000 | 229,687,000 | 234,232,000 | 232,502,000 |
| Interest-bearing deposits | 220,897,000 | 220,819,000 | 227,969,000 | 225,812,000 |
| Noninterest-bearing deposits | 8,270,000 | 8,868,000 | 6,264,000 | 6,690,000 |
| Equity capital | 25,104,000 | 25,076,000 | 26,632,000 | 27,474,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,191,000 | 6,491,000 | 9,990,000 | 13,556,000 |
| Interest expense | 929,000 | 1,872,000 | 2,864,000 | 3,921,000 |
| Net interest income | 2,262,000 | 4,619,000 | 7,126,000 | 9,635,000 |
| Noninterest income | 619,000 | 1,222,000 | 1,859,000 | 2,524,000 |
| Noninterest expense | 1,499,000 | 2,959,000 | 4,485,000 | 5,979,000 |
| Provision for loan losses | 0 | 40,000 | 158,000 | 403,000 |
| Pretax income | 1,382,000 | 2,842,000 | 4,342,000 | 5,777,000 |
| Income tax | 528,000 | 1,102,000 | 1,684,000 | 2,116,000 |
| Net income | 854,000 | 1,740,000 | 2,658,000 | 3,661,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,865,000 | 25,751,000 | 26,670,000 | 27,672,000 |
| Total capital | 26,872,000 | 27,812,000 | 28,777,000 | 29,775,000 |
| Risk-weighted assets | 160,222,000 | 166,634,000 | 172,889,000 | 172,560,000 |
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