Call reports 2003
METZ BANKING COMPANY — 2003
What METZ BANKING COMPANY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 40,538,000 | 40,099,000 | 40,848,000 | 42,120,000 |
| Total loans | 30,352,000 | 30,478,000 | 30,060,000 | 30,360,000 |
| Allowance for loan losses | 431,000 | 415,000 | 438,000 | 444,000 |
| Securities available for sale | 2,216,000 | 2,211,000 | 2,672,000 | 3,909,000 |
| Securities held to maturity | 3,055,000 | 3,051,000 | 3,047,000 | 3,043,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,632,000 | 36,246,000 | 36,860,000 | 38,091,000 |
| Interest-bearing deposits | 31,356,000 | 31,378,000 | 31,774,000 | 32,531,000 |
| Noninterest-bearing deposits | 5,276,000 | 4,868,000 | 5,086,000 | 5,560,000 |
| Equity capital | 3,772,000 | 3,743,000 | 3,867,000 | 3,940,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 614,000 | 1,229,000 | 1,872,000 | 2,496,000 |
| Interest expense | 178,000 | 342,000 | 497,000 | 638,000 |
| Net interest income | 436,000 | 887,000 | 1,375,000 | 1,858,000 |
| Noninterest income | 81,000 | 151,000 | 249,000 | 319,000 |
| Noninterest expense | 253,000 | 527,000 | 831,000 | 1,188,000 |
| Provision for loan losses | 145,000 | 196,000 | 220,000 | 220,000 |
| Pretax income | 119,000 | 315,000 | 573,000 | 769,000 |
| Income tax | 0 | 2,000 | 3,000 | 5,000 |
| Net income | 119,000 | 313,000 | 570,000 | 764,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,749,000 | 3,720,000 | 3,877,000 | 3,971,000 |
| Total capital | 4,137,000 | 4,112,000 | 4,273,000 | 4,368,000 |
| Risk-weighted assets | 30,960,000 | 31,302,000 | 31,601,000 | 31,753,000 |