Call reports 2025
FIRST METRO BANK — 2025
What FIRST METRO BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 997,571,000 | 998,327,000 | 996,004,000 | 1,007,482,000 |
| Total loans | 566,619,000 | 562,922,000 | 581,266,000 | 587,462,000 |
| Allowance for loan losses | 6,478,000 | 6,433,000 | 6,364,000 | 6,480,000 |
| Securities available for sale | 202,589,000 | 200,302,000 | 229,363,000 | 246,354,000 |
| Securities held to maturity | 40,196,000 | 24,785,000 | 11,054,000 | 9,299,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 897,576,000 | 893,918,000 | 883,520,000 | 893,388,000 |
| Interest-bearing deposits | 871,972,000 | 733,510,000 | 745,909,000 | 757,886,000 |
| Noninterest-bearing deposits | 25,604,000 | 160,408,000 | 137,611,000 | 135,502,000 |
| Equity capital | 94,549,000 | 99,173,000 | 107,554,000 | 108,655,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 12,165,000 | 24,790,000 | 37,537,000 | 50,437,000 |
| Interest expense | 3,538,000 | 6,983,000 | 10,335,000 | 13,808,000 |
| Net interest income | 8,627,000 | 17,807,000 | 27,202,000 | 36,629,000 |
| Noninterest income | 1,074,000 | 2,208,000 | 3,213,000 | 4,263,000 |
| Noninterest expense | 4,454,000 | 8,875,000 | 13,350,000 | 17,905,000 |
| Provision for loan losses | 68,000 | 71,000 | 71,000 | 403,000 |
| Pretax income | 5,179,000 | 11,069,000 | 16,994,000 | 22,584,000 |
| Income tax | 1,349,000 | 2,885,000 | 4,426,000 | 5,534,000 |
| Net income | 3,830,000 | 8,184,000 | 12,568,000 | 17,050,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 118,543,000 | 122,898,000 | 127,282,000 | 127,383,000 |