Call reports 2004
METZ BANKING COMPANY — 2004
What METZ BANKING COMPANY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 42,974,000 | 41,879,000 | 43,111,000 | 42,891,000 |
| Total loans | 30,023,000 | 30,956,000 | 32,845,000 | 31,911,000 |
| Allowance for loan losses | 442,000 | 423,000 | 361,000 | 357,000 |
| Securities available for sale | 2,944,000 | 4,703,000 | 4,281,000 | 3,923,000 |
| Securities held to maturity | 2,445,000 | 2,391,000 | 2,386,000 | 2,382,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,770,000 | 37,230,000 | 38,286,000 | 38,603,000 |
| Interest-bearing deposits | 32,871,000 | 32,050,000 | 32,517,000 | 32,904,000 |
| Noninterest-bearing deposits | 5,899,000 | 5,180,000 | 5,769,000 | 5,699,000 |
| Equity capital | 4,107,000 | 4,004,000 | 4,168,000 | 4,180,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 624,000 | 1,218,000 | 1,877,000 | 2,523,000 |
| Interest expense | 133,000 | 261,000 | 399,000 | 557,000 |
| Net interest income | 491,000 | 957,000 | 1,478,000 | 1,966,000 |
| Noninterest income | 67,000 | 155,000 | 227,000 | 303,000 |
| Noninterest expense | 293,000 | 590,000 | 920,000 | 1,319,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 265,000 | 522,000 | 785,000 | 950,000 |
| Income tax | 11,000 | 13,000 | 13,000 | 13,000 |
| Net income | 254,000 | 509,000 | 772,000 | 937,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,100,000 | 4,157,000 | 4,245,000 | 4,235,000 |
| Total capital | 4,496,000 | 4,564,000 | 4,606,000 | 4,592,000 |
| Risk-weighted assets | 31,632,000 | 32,554,000 | 34,072,000 | 33,496,000 |