Call reports 2003
METCALF BANK — 2003
What METCALF BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 245,816,000 | 245,427,000 | 234,846,000 | 239,378,000 |
| Total loans | 127,118,000 | 127,870,000 | 128,420,000 | 130,424,000 |
| Allowance for loan losses | 1,753,000 | 1,710,000 | 1,660,000 | 1,698,000 |
| Securities available for sale | 79,749,000 | 81,429,000 | 80,051,000 | 83,889,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 211,724,000 | 209,789,000 | 201,704,000 | 205,691,000 |
| Interest-bearing deposits | 161,294,000 | 157,486,000 | 151,103,000 | 151,828,000 |
| Noninterest-bearing deposits | 50,430,000 | 52,303,000 | 50,601,000 | 53,863,000 |
| Equity capital | 19,886,000 | 20,681,000 | 20,272,000 | 20,628,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,864,000 | 5,695,000 | 8,447,000 | 11,152,000 |
| Interest expense | 748,000 | 1,425,000 | 2,026,000 | 2,581,000 |
| Net interest income | 2,116,000 | 4,270,000 | 6,421,000 | 8,571,000 |
| Noninterest income | 1,126,000 | 2,294,000 | 3,321,000 | 4,173,000 |
| Noninterest expense | 2,422,000 | 4,698,000 | 7,025,000 | 9,257,000 |
| Provision for loan losses | -229,000 | -228,000 | -206,000 | -64,000 |
| Pretax income | 1,049,000 | 2,094,000 | 2,923,000 | 3,551,000 |
| Income tax | 41,000 | 81,000 | 113,000 | 135,000 |
| Net income | 1,008,000 | 2,013,000 | 2,810,000 | 3,416,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,121,000 | 18,674,000 | 19,036,000 | 19,643,000 |
| Total capital | 19,874,000 | 20,545,000 | 20,881,000 | 21,546,000 |
| Risk-weighted assets | 151,727,000 | 153,527,000 | 152,808,000 | 155,932,000 |