Call reports 2008
METZ BANKING COMPANY — 2008
What METZ BANKING COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 53,309,000 | 52,695,000 | 53,655,000 | 52,942,000 |
| Total loans | 37,398,000 | 39,302,000 | 40,028,000 | 39,794,000 |
| Allowance for loan losses | 424,000 | 495,000 | 441,000 | 440,000 |
| Securities available for sale | 6,631,000 | 6,964,000 | 7,185,000 | 7,315,000 |
| Securities held to maturity | 1,177,000 | 1,176,000 | 1,175,000 | 1,175,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,082,000 | 47,641,000 | 48,537,000 | 47,675,000 |
| Interest-bearing deposits | 41,647,000 | 40,380,000 | 41,403,000 | 40,891,000 |
| Noninterest-bearing deposits | 6,435,000 | 7,261,000 | 7,134,000 | 6,784,000 |
| Equity capital | 4,905,000 | 4,775,000 | 4,853,000 | 5,039,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 879,000 | 1,725,000 | 2,546,000 | 3,408,000 |
| Interest expense | 427,000 | 811,000 | 1,166,000 | 1,498,000 |
| Net interest income | 452,000 | 914,000 | 1,380,000 | 1,910,000 |
| Noninterest income | 54,000 | 108,000 | 165,000 | 208,000 |
| Noninterest expense | 337,000 | 659,000 | 1,025,000 | 1,408,000 |
| Provision for loan losses | 0 | 73,000 | 73,000 | 73,000 |
| Pretax income | 169,000 | 290,000 | 447,000 | 637,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 169,000 | 290,000 | 447,000 | 637,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,792,000 | 4,833,000 | 4,910,000 | 5,000,000 |
| Total capital | 5,216,000 | 5,328,000 | 5,351,000 | 5,440,000 |
| Risk-weighted assets | 40,647,000 | 41,939,000 | 42,791,000 | 42,709,000 |