Call reports 2005
AMERICAN METRO BANK — 2005
What AMERICAN METRO BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 53,612,000 | 55,661,000 | 58,243,000 | 60,560,000 |
| Total loans | 41,274,000 | 43,776,000 | 44,110,000 | 47,064,000 |
| Allowance for loan losses | 489,000 | 509,000 | 539,000 | 569,000 |
| Securities available for sale | 1,844,000 | 1,720,000 | 1,580,000 | 1,476,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,194,000 | 43,453,000 | 45,717,000 | 47,481,000 |
| Interest-bearing deposits | 35,115,000 | 35,882,000 | 38,730,000 | 41,775,000 |
| Noninterest-bearing deposits | 7,079,000 | 7,571,000 | 6,987,000 | 5,706,000 |
| Equity capital | 5,947,000 | 6,085,000 | 6,226,000 | 6,384,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 884,000 | 1,813,000 | 2,837,000 | 3,921,000 |
| Interest expense | 242,000 | 544,000 | 861,000 | 1,289,000 |
| Net interest income | 642,000 | 1,269,000 | 1,976,000 | 2,632,000 |
| Noninterest income | 183,000 | 366,000 | 481,000 | 638,000 |
| Noninterest expense | 669,000 | 1,300,000 | 1,935,000 | 2,535,000 |
| Provision for loan losses | 20,000 | 50,000 | 80,000 | 110,000 |
| Pretax income | 136,000 | 285,000 | 442,000 | 625,000 |
| Income tax | 36,000 | 72,000 | 108,000 | 132,000 |
| Net income | 100,000 | 213,000 | 334,000 | 493,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,975,000 | 6,100,000 | 6,226,000 | 6,384,000 |
| Total capital | 6,464,000 | 6,609,000 | 6,765,000 | 6,953,000 |
| Risk-weighted assets | 42,944,000 | 44,057,000 | 45,394,000 | 47,770,000 |