Call reports 2004
AMERICAN METRO BANK — 2004
What AMERICAN METRO BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 54,774,000 | 54,665,000 | 53,969,000 | 54,892,000 |
| Total loans | 39,916,000 | 41,094,000 | 42,854,000 | 39,261,000 |
| Allowance for loan losses | 523,000 | 553,000 | 583,000 | 473,000 |
| Securities available for sale | 3,822,000 | 3,428,000 | 3,292,000 | 2,837,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,635,000 | 46,056,000 | 44,358,000 | 44,020,000 |
| Interest-bearing deposits | 40,878,000 | 39,882,000 | 38,068,000 | 37,578,000 |
| Noninterest-bearing deposits | 5,757,000 | 6,174,000 | 6,290,000 | 6,442,000 |
| Equity capital | 5,683,000 | 5,789,000 | 5,941,000 | 5,875,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 840,000 | 1,637,000 | 2,458,000 | 3,296,000 |
| Interest expense | 238,000 | 468,000 | 694,000 | 943,000 |
| Net interest income | 602,000 | 1,169,000 | 1,764,000 | 2,353,000 |
| Noninterest income | 123,000 | 283,000 | 416,000 | 653,000 |
| Noninterest expense | 564,000 | 1,119,000 | 1,604,000 | 2,136,000 |
| Provision for loan losses | -3,000 | 27,000 | 57,000 | 220,000 |
| Pretax income | 164,000 | 306,000 | 519,000 | 650,000 |
| Income tax | 0 | 0 | 89,000 | 262,000 |
| Net income | 164,000 | 306,000 | 430,000 | 388,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,663,000 | 5,805,000 | 5,929,000 | 5,887,000 |
| Total capital | 6,163,000 | 6,312,000 | 6,457,000 | 6,360,000 |
| Risk-weighted assets | 39,801,000 | 40,497,000 | 42,212,000 | 40,536,000 |