Call reports 2006
FIRST METRO BANK — 2006
What FIRST METRO BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 316,172,000 | 308,834,000 | 315,417,000 | 331,102,000 |
| Total loans | 189,069,000 | 194,819,000 | 197,822,000 | 204,831,000 |
| Allowance for loan losses | 2,120,000 | 2,215,000 | 2,229,000 | 2,259,000 |
| Securities available for sale | 54,676,000 | 59,934,000 | 56,711,000 | 60,860,000 |
| Securities held to maturity | 26,324,000 | 26,132,000 | 25,842,000 | 22,189,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 282,997,000 | 274,923,000 | 280,100,000 | 295,594,000 |
| Interest-bearing deposits | 270,419,000 | 261,611,000 | 268,231,000 | 285,082,000 |
| Noninterest-bearing deposits | 12,578,000 | 13,312,000 | 11,869,000 | 10,512,000 |
| Equity capital | 29,631,000 | 30,366,000 | 32,085,000 | 31,892,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 4,592,000 | 9,525,000 | 14,568,000 | 19,962,000 |
| Interest expense | 1,682,000 | 3,552,000 | 5,628,000 | 7,982,000 |
| Net interest income | 2,910,000 | 5,973,000 | 8,940,000 | 11,980,000 |
| Noninterest income | 741,000 | 1,521,000 | 2,288,000 | 3,015,000 |
| Noninterest expense | 1,806,000 | 3,625,000 | 5,449,000 | 7,287,000 |
| Provision for loan losses | 163,000 | 357,000 | 423,000 | 571,000 |
| Pretax income | 1,682,000 | 3,512,000 | 5,356,000 | 7,137,000 |
| Income tax | 673,000 | 1,391,000 | 2,095,000 | 2,501,000 |
| Net income | 1,009,000 | 2,121,000 | 3,261,000 | 4,636,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,393,000 | 31,506,000 | 32,646,000 | 32,304,000 |
| Total capital | 32,513,000 | 33,721,000 | 34,875,000 | 34,563,000 |
| Risk-weighted assets | 198,699,000 | 201,081,000 | 202,895,000 | 211,151,000 |