Call reports 2014
FIRST METRO BANK — 2014
What FIRST METRO BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 532,551,000 | 530,034,000 | 529,741,000 | 525,155,000 |
| Total loans | 310,352,000 | 319,556,000 | 324,444,000 | 323,448,000 |
| Allowance for loan losses | 2,916,000 | 2,834,000 | 2,756,000 | 2,716,000 |
| Securities available for sale | 141,235,000 | 137,845,000 | 133,698,000 | 129,724,000 |
| Securities held to maturity | 22,038,000 | 24,120,000 | 23,900,000 | 23,253,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 478,985,000 | 473,869,000 | 470,903,000 | 466,349,000 |
| Interest-bearing deposits | 468,765,000 | 460,952,000 | 461,268,000 | 456,534,000 |
| Noninterest-bearing deposits | 10,220,000 | 12,918,000 | 9,636,000 | 9,816,000 |
| Equity capital | 50,767,000 | 54,191,000 | 56,561,000 | 57,041,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 5,201,000 | 10,585,000 | 16,002,000 | 21,365,000 |
| Interest expense | 522,000 | 1,056,000 | 1,600,000 | 2,133,000 |
| Net interest income | 4,679,000 | 9,529,000 | 14,402,000 | 19,232,000 |
| Noninterest income | 1,095,000 | 1,894,000 | 2,734,000 | 3,407,000 |
| Noninterest expense | 2,551,000 | 5,109,000 | 7,707,000 | 10,354,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 3,223,000 | 6,314,000 | 9,429,000 | 12,285,000 |
| Income tax | 1,228,000 | 2,405,000 | 3,592,000 | 4,443,000 |
| Net income | 1,995,000 | 3,909,000 | 5,837,000 | 7,842,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,862,000 | 56,775,000 | 58,703,000 | 57,916,000 |
| Total capital | 57,779,000 | 59,609,000 | 61,458,000 | 60,632,000 |
| Risk-weighted assets | 312,765,000 | 312,737,000 | 313,113,000 | 307,325,000 |