Call reports 2010
FIRST METRO BANK — 2010
What FIRST METRO BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 434,111,000 | 435,464,000 | 432,754,000 | 424,447,000 |
| Total loans | 274,926,000 | 276,478,000 | 277,349,000 | 273,924,000 |
| Allowance for loan losses | 2,551,000 | 2,631,000 | 2,653,000 | 2,560,000 |
| Securities available for sale | 83,711,000 | 92,185,000 | 81,572,000 | 109,681,000 |
| Securities held to maturity | 19,841,000 | 19,713,000 | 11,709,000 | 16,051,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 388,238,000 | 387,350,000 | 383,043,000 | 377,143,000 |
| Interest-bearing deposits | 367,075,000 | 369,855,000 | 363,228,000 | 358,148,000 |
| Noninterest-bearing deposits | 21,163,000 | 17,495,000 | 19,816,000 | 18,995,000 |
| Equity capital | 41,973,000 | 43,986,000 | 45,651,000 | 43,974,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 5,272,000 | 10,655,000 | 16,066,000 | 21,281,000 |
| Interest expense | 1,434,000 | 2,741,000 | 3,986,000 | 5,182,000 |
| Net interest income | 3,838,000 | 7,914,000 | 12,080,000 | 16,099,000 |
| Noninterest income | 666,000 | 1,329,000 | 2,007,000 | 2,705,000 |
| Noninterest expense | 2,144,000 | 4,280,000 | 6,422,000 | 8,639,000 |
| Provision for loan losses | 90,000 | 270,000 | 417,000 | 579,000 |
| Pretax income | 2,270,000 | 4,693,000 | 7,248,000 | 9,586,000 |
| Income tax | 866,000 | 1,791,000 | 2,765,000 | 3,529,000 |
| Net income | 1,404,000 | 2,902,000 | 4,483,000 | 6,057,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,142,000 | 42,641,000 | 44,221,000 | 43,755,000 |
| Total capital | 43,693,000 | 45,272,000 | 46,874,000 | 46,316,000 |
| Risk-weighted assets | 269,953,000 | 270,698,000 | 266,201,000 | 268,425,000 |