Call reports 2015
FIRST METRO BANK — 2015
What FIRST METRO BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 539,499,000 | 556,349,000 | 551,304,000 | 562,288,000 |
| Total loans | 325,054,000 | 334,863,000 | 337,440,000 | 347,860,000 |
| Allowance for loan losses | 2,700,000 | 2,651,000 | 2,605,000 | 2,549,000 |
| Securities available for sale | 131,502,000 | 137,618,000 | 135,685,000 | 131,073,000 |
| Securities held to maturity | 23,703,000 | 23,105,000 | 21,951,000 | 34,421,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 478,917,000 | 495,210,000 | 486,852,000 | 499,492,000 |
| Interest-bearing deposits | 469,250,000 | 484,300,000 | 475,090,000 | 487,699,000 |
| Noninterest-bearing deposits | 9,668,000 | 10,910,000 | 11,762,000 | 11,794,000 |
| Equity capital | 58,693,000 | 59,213,000 | 62,238,000 | 61,156,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 5,191,000 | 10,543,000 | 15,904,000 | 21,328,000 |
| Interest expense | 520,000 | 1,052,000 | 1,589,000 | 2,121,000 |
| Net interest income | 4,671,000 | 9,491,000 | 14,315,000 | 19,207,000 |
| Noninterest income | 729,000 | 1,559,000 | 2,370,000 | 3,073,000 |
| Noninterest expense | 2,526,000 | 5,119,000 | 7,595,000 | 10,199,000 |
| Provision for loan losses | 0 | 0 | 0 | 150,000 |
| Pretax income | 2,874,000 | 5,931,000 | 9,090,000 | 11,931,000 |
| Income tax | 1,079,000 | 2,244,000 | 3,447,000 | 4,129,000 |
| Net income | 1,795,000 | 3,687,000 | 5,643,000 | 7,802,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,723,000 | 60,615,000 | 62,571,000 | 61,896,000 |
| Total capital | 61,423,000 | 63,266,000 | 65,176,000 | 64,445,000 |
| Risk-weighted assets | 307,559,000 | 310,801,000 | 311,246,000 | 324,237,000 |