Call reports 2016
FIRST METRO BANK — 2016
What FIRST METRO BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 570,173,000 | 563,994,000 | 566,590,000 | 565,172,000 |
| Total loans | 349,712,000 | 362,729,000 | 359,944,000 | 366,145,000 |
| Allowance for loan losses | 2,528,000 | 2,522,000 | 2,501,000 | 2,600,000 |
| Securities available for sale | 107,507,000 | 76,038,000 | 47,629,000 | 67,820,000 |
| Securities held to maturity | 42,251,000 | 70,189,000 | 87,388,000 | 82,653,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 504,606,000 | 497,094,000 | 497,511,000 | 498,681,000 |
| Interest-bearing deposits | 491,227,000 | 484,063,000 | 484,927,000 | 485,645,000 |
| Noninterest-bearing deposits | 13,380,000 | 13,031,000 | 12,584,000 | 13,036,000 |
| Equity capital | 62,795,000 | 64,933,000 | 66,759,000 | 64,997,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 5,447,000 | 10,861,000 | 16,378,000 | 21,811,000 |
| Interest expense | 544,000 | 1,083,000 | 1,618,000 | 2,148,000 |
| Net interest income | 4,903,000 | 9,778,000 | 14,760,000 | 19,663,000 |
| Noninterest income | 805,000 | 1,613,000 | 2,456,000 | 3,240,000 |
| Noninterest expense | 2,748,000 | 5,416,000 | 8,161,000 | 10,863,000 |
| Provision for loan losses | 0 | 60,000 | 80,000 | 280,000 |
| Pretax income | 2,960,000 | 5,915,000 | 8,975,000 | 11,760,000 |
| Income tax | 1,128,000 | 2,236,000 | 3,399,000 | 3,976,000 |
| Net income | 1,832,000 | 3,679,000 | 5,576,000 | 7,784,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,718,000 | 64,565,000 | 66,463,000 | 65,364,000 |
| Total capital | 65,246,000 | 67,087,000 | 68,964,000 | 67,964,000 |
| Risk-weighted assets | 318,054,000 | 330,675,000 | 325,810,000 | 336,810,000 |