Call reports 2005
METCALF BANK — 2005
What METCALF BANK 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 | 256,999,000 | 252,153,000 | 255,731,000 | 263,778,000 |
| Total loans | 153,354,000 | 159,467,000 | 164,587,000 | 172,812,000 |
| Allowance for loan losses | 1,682,000 | 1,697,000 | 1,750,000 | 1,859,000 |
| Securities available for sale | 69,546,000 | 74,079,000 | 71,345,000 | 68,707,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 219,741,000 | 209,552,000 | 209,386,000 | 216,701,000 |
| Interest-bearing deposits | 157,330,000 | 150,301,000 | 148,706,000 | 150,583,000 |
| Noninterest-bearing deposits | 62,411,000 | 59,251,000 | 60,680,000 | 66,118,000 |
| Equity capital | 19,961,000 | 20,650,000 | 20,784,000 | 21,145,000 |
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 | 2,935,000 | 6,019,000 | 9,271,000 | 12,721,000 |
| Interest expense | 642,000 | 1,344,000 | 2,176,000 | 3,163,000 |
| Net interest income | 2,293,000 | 4,675,000 | 7,095,000 | 9,558,000 |
| Noninterest income | 795,000 | 1,685,000 | 2,582,000 | 3,470,000 |
| Noninterest expense | 2,572,000 | 5,091,000 | 7,623,000 | 10,092,000 |
| Provision for loan losses | -45,000 | -30,000 | 45,000 | 176,000 |
| Pretax income | 561,000 | 1,299,000 | 2,009,000 | 2,760,000 |
| Income tax | 17,000 | 43,000 | 67,000 | 92,000 |
| Net income | 544,000 | 1,256,000 | 1,942,000 | 2,668,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,903,000 | 21,287,000 | 21,582,000 | 22,308,000 |
| Total capital | 22,953,000 | 23,352,000 | 23,688,000 | 24,506,000 |
| Risk-weighted assets | 192,389,000 | 197,695,000 | 203,143,000 | 221,067,000 |