Call reports 2002
METCALF BANK — 2002
What METCALF BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 218,174,000 | 233,595,000 | 240,911,000 | 236,403,000 |
| Total loans | 119,505,000 | 121,611,000 | 132,422,000 | 133,157,000 |
| Allowance for loan losses | 1,836,000 | 1,856,000 | 1,816,000 | 1,879,000 |
| Securities available for sale | 63,588,000 | 72,702,000 | 74,830,000 | 76,785,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 187,681,000 | 201,130,000 | 206,173,000 | 203,030,000 |
| Interest-bearing deposits | 142,479,000 | 151,953,000 | 150,588,000 | 155,884,000 |
| Noninterest-bearing deposits | 45,202,000 | 49,177,000 | 55,585,000 | 47,146,000 |
| Equity capital | 16,949,000 | 18,188,000 | 19,138,000 | 19,990,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,101,000 | 6,220,000 | 9,379,000 | 12,432,000 |
| Interest expense | 1,010,000 | 1,992,000 | 2,976,000 | 3,848,000 |
| Net interest income | 2,091,000 | 4,228,000 | 6,403,000 | 8,584,000 |
| Noninterest income | 609,000 | 1,292,000 | 2,168,000 | 3,238,000 |
| Noninterest expense | 1,986,000 | 4,001,000 | 6,060,000 | 8,313,000 |
| Provision for loan losses | 75,000 | 167,000 | 307,000 | 376,000 |
| Pretax income | 639,000 | 1,352,000 | 2,204,000 | 3,147,000 |
| Income tax | 22,000 | 48,000 | 79,000 | 115,000 |
| Net income | 617,000 | 1,304,000 | 2,125,000 | 3,032,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,227,000 | 16,559,000 | 16,980,000 | 17,887,000 |
| Total capital | 17,956,000 | 18,398,000 | 18,796,000 | 19,766,000 |
| Risk-weighted assets | 138,180,000 | 147,075,000 | 156,297,000 | 154,211,000 |