Call reports 2008
AMERICAN METRO BANK — 2008
What AMERICAN METRO BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 81,587,000 | 82,312,000 | 91,554,000 | 90,544,000 |
| Total loans | 66,737,000 | 68,841,000 | 74,735,000 | 73,874,000 |
| Allowance for loan losses | 841,000 | 888,000 | 947,000 | 753,000 |
| Securities available for sale | 2,317,000 | 2,090,000 | 716,000 | 112,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,441,000 | 64,735,000 | 74,668,000 | 74,221,000 |
| Interest-bearing deposits | 59,245,000 | 61,041,000 | 70,690,000 | 71,376,000 |
| Noninterest-bearing deposits | 4,196,000 | 3,694,000 | 3,978,000 | 2,845,000 |
| Equity capital | 7,390,000 | 7,175,000 | 7,076,000 | 6,687,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,364,000 | 2,686,000 | 4,029,000 | 5,375,000 |
| Interest expense | 802,000 | 1,564,000 | 2,285,000 | 3,043,000 |
| Net interest income | 562,000 | 1,122,000 | 1,744,000 | 2,332,000 |
| Noninterest income | 152,000 | 308,000 | 426,000 | 113,000 |
| Noninterest expense | 780,000 | 1,507,000 | 2,205,000 | 2,843,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | -126,000 | -197,000 | -1,760,000 | -2,236,000 |
| Income tax | 50,000 | 35,000 | -600,000 | -620,000 |
| Net income | -176,000 | -232,000 | -485,000 | -941,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,440,000 | 7,111,000 | 7,051,000 | 6,662,000 |
| Total capital | 8,281,000 | 7,997,000 | 7,998,000 | 7,416,000 |
| Risk-weighted assets | 68,026,000 | 70,101,000 | 78,580,000 | 76,389,000 |