Call reports 2008
METROBANK, NATIONAL ASSOCIATION — 2008
What METROBANK, NATIONAL ASSOCIATION 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 | 1,111,832,000 | 1,148,982,000 | 1,174,794,000 | 1,154,801,000 |
| Total loans | 895,914,000 | 943,127,000 | 976,677,000 | 974,164,000 |
| Allowance for loan losses | 10,424,000 | 11,097,000 | 11,727,000 | 18,894,000 |
| Securities available for sale | 127,004,000 | 114,099,000 | 105,607,000 | 102,104,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 912,277,000 | 928,516,000 | 967,143,000 | 958,629,000 |
| Interest-bearing deposits | 718,939,000 | 719,056,000 | 773,331,000 | 767,994,000 |
| Noninterest-bearing deposits | 193,338,000 | 209,460,000 | 193,812,000 | 190,635,000 |
| Equity capital | 96,304,000 | 100,624,000 | 102,167,000 | 99,602,000 |
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 | 18,607,000 | 36,822,000 | 54,418,000 | 71,818,000 |
| Interest expense | 7,241,000 | 13,886,000 | 20,541,000 | 26,949,000 |
| Net interest income | 11,366,000 | 22,936,000 | 33,877,000 | 44,869,000 |
| Noninterest income | 2,286,000 | 5,149,000 | 7,350,000 | 9,380,000 |
| Noninterest expense | 7,998,000 | 15,975,000 | 23,881,000 | 32,132,000 |
| Provision for loan losses | 690,000 | 1,604,000 | 3,078,000 | 11,109,000 |
| Pretax income | 4,988,000 | 9,114,000 | 12,700,000 | 9,138,000 |
| Income tax | 1,700,000 | 3,169,000 | 4,295,000 | 2,885,000 |
| Net income | 3,288,000 | 5,945,000 | 8,405,000 | 6,253,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 96,187,000 | 101,551,000 | 103,585,000 | 100,513,000 |
| Total capital | 107,360,000 | 113,432,000 | 115,922,000 | 114,365,000 |
| Risk-weighted assets | 1,061,763,000 | 1,102,791,000 | 1,113,748,000 | 1,100,272,000 |