Call reports 2005
METZ BANKING COMPANY — 2005
What METZ BANKING COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 42,448,000 | 44,334,000 | 43,654,000 | 45,726,000 |
| Total loans | 32,948,000 | 33,967,000 | 34,460,000 | 33,630,000 |
| Allowance for loan losses | 357,000 | 357,000 | 357,000 | 354,000 |
| Securities available for sale | 3,875,000 | 3,427,000 | 3,407,000 | 4,259,000 |
| Securities held to maturity | 1,959,000 | 1,957,000 | 1,956,000 | 1,954,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,143,000 | 39,891,000 | 39,101,000 | 41,239,000 |
| Interest-bearing deposits | 32,871,000 | 33,809,000 | 33,584,000 | 33,836,000 |
| Noninterest-bearing deposits | 5,272,000 | 6,082,000 | 5,517,000 | 7,403,000 |
| Equity capital | 4,183,000 | 4,298,000 | 4,375,000 | 4,301,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 618,000 | 1,272,000 | 1,945,000 | 2,639,000 |
| Interest expense | 165,000 | 368,000 | 600,000 | 865,000 |
| Net interest income | 453,000 | 904,000 | 1,345,000 | 1,774,000 |
| Noninterest income | 65,000 | 141,000 | 210,000 | 273,000 |
| Noninterest expense | 342,000 | 647,000 | 937,000 | 1,305,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 176,000 | 398,000 | 618,000 | 742,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 176,000 | 398,000 | 618,000 | 742,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,286,000 | 4,345,000 | 4,440,000 | 4,389,000 |
| Total capital | 4,643,000 | 4,702,000 | 4,797,000 | 4,743,000 |
| Risk-weighted assets | 34,160,000 | 35,377,000 | 35,534,000 | 35,306,000 |