Call reports 2007
FIRST METRO BANK — 2007
What FIRST METRO BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 349,737,000 | 348,921,000 | 358,211,000 | 353,983,000 |
| Total loans | 213,339,000 | 221,884,000 | 230,577,000 | 229,102,000 |
| Allowance for loan losses | 2,229,000 | 2,221,000 | 2,154,000 | 2,286,000 |
| Securities available for sale | 66,890,000 | 74,996,000 | 71,938,000 | 71,681,000 |
| Securities held to maturity | 20,880,000 | 18,092,000 | 16,749,000 | 14,317,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 313,111,000 | 311,978,000 | 318,868,000 | 315,010,000 |
| Interest-bearing deposits | 300,476,000 | 300,399,000 | 304,970,000 | 301,376,000 |
| Noninterest-bearing deposits | 12,635,000 | 11,579,000 | 13,898,000 | 13,634,000 |
| Equity capital | 32,493,000 | 33,262,000 | 35,103,000 | 34,805,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 5,484,000 | 11,303,000 | 17,313,000 | 23,273,000 |
| Interest expense | 2,498,000 | 5,154,000 | 7,904,000 | 10,554,000 |
| Net interest income | 2,986,000 | 6,149,000 | 9,409,000 | 12,719,000 |
| Noninterest income | 715,000 | 1,494,000 | 2,246,000 | 3,000,000 |
| Noninterest expense | 1,853,000 | 3,713,000 | 5,582,000 | 7,499,000 |
| Provision for loan losses | 0 | 26,000 | 56,000 | 256,000 |
| Pretax income | 1,848,000 | 3,904,000 | 6,017,000 | 7,964,000 |
| Income tax | 705,000 | 1,514,000 | 2,377,000 | 2,845,000 |
| Net income | 1,143,000 | 2,390,000 | 3,640,000 | 5,119,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,867,000 | 34,114,000 | 35,364,000 | 34,695,000 |
| Total capital | 35,096,000 | 36,335,000 | 37,518,000 | 36,981,000 |
| Risk-weighted assets | 223,010,000 | 229,688,000 | 237,798,000 | 232,196,000 |