Call reports 2002
METZ BANKING COMPANY — 2002
What METZ BANKING COMPANY reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 37,845,000 | 38,930,000 | 38,760,000 | 39,864,000 |
| Total loans | 25,492,000 | 27,873,000 | 28,576,000 | 29,526,000 |
| Allowance for loan losses | 439,000 | 415,000 | 415,000 | 399,000 |
| Securities available for sale | 4,593,000 | 3,563,000 | 3,128,000 | 2,107,000 |
| Securities held to maturity | 2,856,000 | 2,941,000 | 3,063,000 | 3,059,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,281,000 | 34,381,000 | 33,785,000 | 36,091,000 |
| Interest-bearing deposits | 29,584,000 | 29,753,000 | 29,463,000 | 30,987,000 |
| Noninterest-bearing deposits | 4,697,000 | 4,628,000 | 4,322,000 | 5,104,000 |
| Equity capital | 3,365,000 | 3,454,000 | 3,634,000 | 3,645,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 627,000 | 1,254,000 | 1,923,000 | 2,573,000 |
| Interest expense | 227,000 | 436,000 | 642,000 | 835,000 |
| Net interest income | 400,000 | 818,000 | 1,281,000 | 1,738,000 |
| Noninterest income | 67,000 | 137,000 | 216,000 | 295,000 |
| Noninterest expense | 255,000 | 498,000 | 793,000 | 1,207,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 212,000 | 459,000 | 706,000 | 828,000 |
| Income tax | 0 | 3,000 | 5,000 | 5,000 |
| Net income | 212,000 | 456,000 | 701,000 | 823,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,324,000 | 3,413,000 | 3,608,000 | 3,629,000 |
| Total capital | 3,667,000 | 3,780,000 | 3,980,000 | 4,010,000 |
| Risk-weighted assets | 27,338,000 | 29,335,000 | 29,725,000 | 30,452,000 |