Call reports 2004
METCALF BANK — 2004
What METCALF BANK 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 | 247,708,000 | 248,976,000 | 244,376,000 | 249,057,000 |
| Total loans | 135,152,000 | 142,349,000 | 153,340,000 | 156,078,000 |
| Allowance for loan losses | 1,722,000 | 1,732,000 | 1,772,000 | 1,744,000 |
| Securities available for sale | 74,777,000 | 78,648,000 | 70,475,000 | 65,390,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 211,600,000 | 212,552,000 | 212,517,000 | 212,791,000 |
| Interest-bearing deposits | 156,187,000 | 153,227,000 | 152,434,000 | 152,482,000 |
| Noninterest-bearing deposits | 55,413,000 | 59,325,000 | 60,083,000 | 60,309,000 |
| Equity capital | 20,815,000 | 19,615,000 | 20,547,000 | 20,791,000 |
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 | 2,652,000 | 5,402,000 | 8,245,000 | 11,163,000 |
| Interest expense | 546,000 | 1,088,000 | 1,633,000 | 2,238,000 |
| Net interest income | 2,106,000 | 4,314,000 | 6,612,000 | 8,925,000 |
| Noninterest income | 850,000 | 1,807,000 | 2,794,000 | 3,646,000 |
| Noninterest expense | 2,478,000 | 4,985,000 | 7,503,000 | 9,939,000 |
| Provision for loan losses | 43,000 | 130,000 | 218,000 | 192,000 |
| Pretax income | 481,000 | 1,052,000 | 1,757,000 | 2,512,000 |
| Income tax | 6,000 | 23,000 | 52,000 | 78,000 |
| Net income | 475,000 | 1,029,000 | 1,705,000 | 2,434,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,651,000 | 19,953,000 | 20,298,000 | 21,027,000 |
| Total capital | 21,578,000 | 21,910,000 | 22,351,000 | 23,094,000 |
| Risk-weighted assets | 160,951,000 | 166,736,000 | 180,175,000 | 188,309,000 |