Call reports 2005
METROBANK, NATIONAL ASSOCIATION — 2005
What METROBANK, NATIONAL ASSOCIATION 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 | 891,410,000 | 910,265,000 | 935,754,000 | 916,346,000 |
| Total loans | 594,061,000 | 609,891,000 | 613,113,000 | 636,694,000 |
| Allowance for loan losses | 11,075,000 | 10,706,000 | 10,806,000 | 10,800,000 |
| Securities available for sale | 249,813,000 | 243,456,000 | 242,020,000 | 226,458,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 747,439,000 | 781,784,000 | 796,614,000 | 796,838,000 |
| Interest-bearing deposits | 569,687,000 | 602,357,000 | 616,968,000 | 603,200,000 |
| Noninterest-bearing deposits | 177,752,000 | 179,427,000 | 179,646,000 | 193,638,000 |
| Equity capital | 83,780,000 | 86,575,000 | 88,089,000 | 84,340,000 |
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 | 12,844,000 | 26,255,000 | 40,716,000 | 56,107,000 |
| Interest expense | 3,334,000 | 6,928,000 | 11,144,000 | 15,568,000 |
| Net interest income | 9,510,000 | 19,327,000 | 29,572,000 | 40,539,000 |
| Noninterest income | 1,969,000 | 3,890,000 | 5,936,000 | 7,688,000 |
| Noninterest expense | 7,747,000 | 14,981,000 | 23,028,000 | 31,086,000 |
| Provision for loan losses | 400,000 | 900,000 | 1,034,000 | 1,512,000 |
| Pretax income | 3,332,000 | 7,336,000 | 11,446,000 | 15,629,000 |
| Income tax | 1,070,000 | 2,303,000 | 3,575,000 | 4,835,000 |
| Net income | 2,262,000 | 5,033,000 | 7,871,000 | 10,794,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 84,674,000 | 87,041,000 | 89,345,000 | 86,792,000 |
| Total capital | 92,735,000 | 95,355,000 | 97,993,000 | 95,764,000 |
| Risk-weighted assets | 641,622,000 | 662,547,000 | 689,709,000 | 715,520,000 |