Call reports 2007
METCALF BANK — 2007
What METCALF BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 279,278,000 | 272,162,000 | 330,862,000 | 339,341,000 |
| Total loans | 192,214,000 | 176,732,000 | 173,985,000 | 182,962,000 |
| Allowance for loan losses | 2,217,000 | 2,139,000 | 2,096,000 | 2,138,000 |
| Securities available for sale | 50,608,000 | 56,166,000 | 53,455,000 | 54,100,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 236,818,000 | 227,568,000 | 228,145,000 | 238,417,000 |
| Interest-bearing deposits | 171,277,000 | 164,690,000 | 165,862,000 | 173,896,000 |
| Noninterest-bearing deposits | 65,541,000 | 62,878,000 | 62,283,000 | 64,521,000 |
| Equity capital | 23,794,000 | 24,627,000 | 76,440,000 | 77,188,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,208,000 | 8,537,000 | 1,427,000 | 5,750,000 |
| Interest expense | 1,318,000 | 2,682,000 | 460,000 | 1,874,000 |
| Net interest income | 2,890,000 | 5,855,000 | 967,000 | 3,876,000 |
| Noninterest income | 858,000 | 1,802,000 | 261,000 | 1,158,000 |
| Noninterest expense | 2,778,000 | 6,297,000 | 965,000 | 3,623,000 |
| Provision for loan losses | 6,000 | -47,000 | 38,000 | 138,000 |
| Pretax income | 964,000 | 1,407,000 | 225,000 | 1,273,000 |
| Income tax | 35,000 | 47,000 | 83,000 | 498,000 |
| Net income | 929,000 | 1,360,000 | 142,000 | 775,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,101,000 | 25,054,000 | 19,440,000 | 20,354,000 |
| Total capital | 26,618,000 | 27,406,000 | 21,762,000 | 22,717,000 |
| Risk-weighted assets | 223,887,000 | 206,289,000 | 206,420,000 | 213,962,000 |