Call reports 2004
METRO BANK — 2004
What METRO 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 | 1,096,925,000 | 1,184,173,000 | 1,204,408,000 | 1,276,661,000 |
| Total loans | 521,227,000 | 603,251,000 | 628,859,000 | 660,630,000 |
| Allowance for loan losses | 6,519,000 | 7,019,000 | 7,175,000 | 7,847,000 |
| Securities available for sale | 293,348,000 | 303,904,000 | 293,565,000 | 314,065,000 |
| Securities held to maturity | 210,108,000 | 199,737,000 | 193,383,000 | 209,816,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 937,602,000 | 978,452,000 | 1,125,111,000 | 1,160,871,000 |
| Interest-bearing deposits | 759,257,000 | 795,976,000 | 935,270,000 | 954,154,000 |
| Noninterest-bearing deposits | 178,345,000 | 182,476,000 | 189,841,000 | 206,717,000 |
| Equity capital | 66,345,000 | 63,818,000 | 74,628,000 | 97,811,000 |
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 | 14,041,000 | 29,033,000 | 44,940,000 | 61,751,000 |
| Interest expense | 2,556,000 | 5,394,000 | 8,794,000 | 12,979,000 |
| Net interest income | 11,485,000 | 23,639,000 | 36,146,000 | 48,772,000 |
| Noninterest income | 2,407,000 | 4,940,000 | 7,438,000 | 10,277,000 |
| Noninterest expense | 10,036,000 | 20,360,000 | 30,986,000 | 41,758,000 |
| Provision for loan losses | 575,000 | 1,250,000 | 1,925,000 | 2,646,000 |
| Pretax income | 3,281,000 | 6,969,000 | 10,673,000 | 14,645,000 |
| Income tax | 1,077,000 | 2,283,000 | 3,500,000 | 4,816,000 |
| Net income | 2,204,000 | 4,686,000 | 7,173,000 | 9,829,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 64,065,000 | 67,025,000 | 74,371,000 | 97,862,000 |
| Total capital | 70,584,000 | 74,044,000 | 81,546,000 | 105,709,000 |
| Risk-weighted assets | 683,522,000 | 769,891,000 | 796,283,000 | 847,158,000 |