Call reports 2007
METZ BANKING COMPANY — 2007
What METZ BANKING COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 50,445,000 | 50,506,000 | 50,722,000 | 52,619,000 |
| Total loans | 36,902,000 | 36,483,000 | 35,431,000 | 36,883,000 |
| Allowance for loan losses | 401,000 | 395,000 | 395,000 | 426,000 |
| Securities available for sale | 6,074,000 | 5,958,000 | 6,380,000 | 6,921,000 |
| Securities held to maturity | 1,270,000 | 1,269,000 | 1,268,000 | 1,267,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,567,000 | 45,572,000 | 45,693,000 | 47,572,000 |
| Interest-bearing deposits | 38,598,000 | 38,625,000 | 39,181,000 | 39,767,000 |
| Noninterest-bearing deposits | 6,969,000 | 6,947,000 | 6,512,000 | 7,805,000 |
| Equity capital | 4,564,000 | 4,614,000 | 4,688,000 | 4,724,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 830,000 | 1,695,000 | 2,559,000 | 3,460,000 |
| Interest expense | 406,000 | 842,000 | 1,283,000 | 1,740,000 |
| Net interest income | 424,000 | 853,000 | 1,276,000 | 1,720,000 |
| Noninterest income | 52,000 | 109,000 | 168,000 | 238,000 |
| Noninterest expense | 309,000 | 619,000 | 976,000 | 1,352,000 |
| Provision for loan losses | 0 | 0 | 0 | 32,000 |
| Pretax income | 167,000 | 343,000 | 468,000 | 574,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 167,000 | 343,000 | 468,000 | 574,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,596,000 | 4,672,000 | 4,697,000 | 4,703,000 |
| Total capital | 4,997,000 | 5,067,000 | 5,092,000 | 5,129,000 |
| Risk-weighted assets | 38,887,000 | 38,802,000 | 38,487,000 | 40,475,000 |