Call reports 2007
AMERICAN METRO BANK — 2007
What AMERICAN METRO BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 78,514,000 | 80,454,000 | 86,609,000 | 83,111,000 |
| Total loans | 58,001,000 | 61,834,000 | 65,148,000 | 67,811,000 |
| Allowance for loan losses | 729,000 | 586,000 | 723,000 | 781,000 |
| Securities available for sale | 1,362,000 | 1,104,000 | 1,056,000 | 1,009,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,615,000 | 63,593,000 | 67,941,000 | 65,098,000 |
| Interest-bearing deposits | 54,251,000 | 56,809,000 | 63,542,000 | 60,899,000 |
| Noninterest-bearing deposits | 7,364,000 | 6,784,000 | 4,398,000 | 4,200,000 |
| Equity capital | 7,076,000 | 7,153,000 | 7,191,000 | 7,656,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,561,000 | 3,174,000 | 4,762,000 | 6,157,000 |
| Interest expense | 703,000 | 1,444,000 | 2,298,000 | 3,134,000 |
| Net interest income | 858,000 | 1,730,000 | 2,464,000 | 3,023,000 |
| Noninterest income | 98,000 | 291,000 | 458,000 | 598,000 |
| Noninterest expense | 770,000 | 1,635,000 | 2,299,000 | 3,001,000 |
| Provision for loan losses | 40,000 | 2,000 | 140,000 | 200,000 |
| Pretax income | 146,000 | 384,000 | 483,000 | 420,000 |
| Income tax | 40,000 | 110,000 | 186,000 | 261,000 |
| Net income | 106,000 | 274,000 | 297,000 | 755,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,021,000 | 7,136,000 | 7,159,000 | 7,616,000 |
| Total capital | 7,750,000 | 7,722,000 | 7,882,000 | 8,397,000 |
| Risk-weighted assets | 60,842,000 | 64,161,000 | 68,330,000 | 70,126,000 |