Call reports 2004
METROBANK, NATIONAL ASSOCIATION — 2004
What METROBANK, NATIONAL ASSOCIATION 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 | 857,589,000 | 880,834,000 | 897,117,000 | 916,232,000 |
| Total loans | 572,075,000 | 554,335,000 | 566,248,000 | 594,644,000 |
| Allowance for loan losses | 10,850,000 | 11,033,000 | 11,080,000 | 10,863,000 |
| Securities available for sale | 239,932,000 | 280,010,000 | 282,558,000 | 267,913,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 715,173,000 | 720,897,000 | 749,105,000 | 761,630,000 |
| Interest-bearing deposits | 533,512,000 | 542,150,000 | 573,589,000 | 591,970,000 |
| Noninterest-bearing deposits | 181,661,000 | 178,747,000 | 175,516,000 | 169,660,000 |
| Equity capital | 74,669,000 | 77,176,000 | 81,785,000 | 83,702,000 |
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 | 11,031,000 | 22,143,000 | 33,258,000 | 45,419,000 |
| Interest expense | 2,633,000 | 5,218,000 | 8,147,000 | 11,349,000 |
| Net interest income | 8,398,000 | 16,925,000 | 25,111,000 | 34,070,000 |
| Noninterest income | 2,790,000 | 5,382,000 | 7,291,000 | 9,340,000 |
| Noninterest expense | 7,561,000 | 14,658,000 | 21,942,000 | 29,116,000 |
| Provision for loan losses | 551,000 | 850,000 | 1,300,000 | 1,565,000 |
| Pretax income | 3,076,000 | 6,799,000 | 9,167,000 | 12,632,000 |
| Income tax | 964,000 | 2,126,000 | 2,888,000 | 4,031,000 |
| Net income | 2,112,000 | 4,673,000 | 6,279,000 | 8,601,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 72,633,000 | 79,658,000 | 80,877,000 | 82,877,000 |
| Total capital | 80,398,000 | 87,420,000 | 88,839,000 | 91,176,000 |
| Risk-weighted assets | 618,085,000 | 617,660,000 | 633,641,000 | 661,402,000 |