Call reports 2005
FIRST METRO BANK — 2005
What FIRST METRO BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 276,520,000 | 285,276,000 | 287,617,000 | 303,328,000 |
| Total loans | 166,177,000 | 174,714,000 | 184,363,000 | 189,281,000 |
| Allowance for loan losses | 2,104,000 | 2,097,000 | 2,144,000 | 1,986,000 |
| Securities available for sale | 46,665,000 | 51,627,000 | 47,529,000 | 49,888,000 |
| Securities held to maturity | 17,413,000 | 19,020,000 | 26,449,000 | 25,984,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 247,629,000 | 255,708,000 | 256,960,000 | 271,187,000 |
| Interest-bearing deposits | 240,473,000 | 246,223,000 | 249,245,000 | 260,358,000 |
| Noninterest-bearing deposits | 7,156,000 | 9,485,000 | 7,715,000 | 10,829,000 |
| Equity capital | 27,490,000 | 28,703,000 | 29,488,000 | 29,082,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,616,000 | 7,403,000 | 11,528,000 | 15,887,000 |
| Interest expense | 1,210,000 | 2,583,000 | 4,010,000 | 5,528,000 |
| Net interest income | 2,406,000 | 4,820,000 | 7,518,000 | 10,359,000 |
| Noninterest income | 665,000 | 1,271,000 | 1,950,000 | 2,616,000 |
| Noninterest expense | 1,567,000 | 3,156,000 | 4,910,000 | 6,662,000 |
| Provision for loan losses | 65,000 | 100,000 | 238,000 | 288,000 |
| Pretax income | 1,439,000 | 2,835,000 | 4,320,000 | 6,025,000 |
| Income tax | 550,000 | 1,040,000 | 1,595,000 | 2,144,000 |
| Net income | 889,000 | 1,795,000 | 2,725,000 | 3,881,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,046,000 | 28,952,000 | 29,882,000 | 29,750,000 |
| Total capital | 30,150,000 | 31,049,000 | 32,026,000 | 31,736,000 |
| Risk-weighted assets | 175,014,000 | 182,950,000 | 191,643,000 | 195,018,000 |
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