Call reports 2005
METRO BANK — 2005
What METRO 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 | 1,376,454,000 | 1,450,013,000 | 1,586,598,000 | 1,640,334,000 |
| Total loans | 701,881,000 | 732,746,000 | 776,861,000 | 835,249,000 |
| Allowance for loan losses | 8,352,000 | 8,573,000 | 8,852,000 | 9,231,000 |
| Securities available for sale | 350,630,000 | 361,702,000 | 389,197,000 | 380,836,000 |
| Securities held to maturity | 238,802,000 | 245,228,000 | 297,259,000 | 306,163,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,173,110,000 | 1,229,750,000 | 1,406,004,000 | 1,371,547,000 |
| Interest-bearing deposits | 956,336,000 | 995,152,000 | 1,165,367,000 | 1,122,961,000 |
| Noninterest-bearing deposits | 216,774,000 | 234,598,000 | 240,637,000 | 248,586,000 |
| Equity capital | 98,510,000 | 103,753,000 | 103,437,000 | 104,353,000 |
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 | 17,375,000 | 36,837,000 | 57,115,000 | 80,180,000 |
| Interest expense | 4,668,000 | 10,752,000 | 17,808,000 | 27,229,000 |
| Net interest income | 12,707,000 | 26,085,000 | 39,307,000 | 52,951,000 |
| Noninterest income | 2,925,000 | 6,233,000 | 9,765,000 | 13,427,000 |
| Noninterest expense | 10,989,000 | 22,952,000 | 36,104,000 | 49,586,000 |
| Provision for loan losses | 545,000 | 1,170,000 | 1,420,000 | 1,560,000 |
| Pretax income | 4,098,000 | 8,382,000 | 12,347,000 | 15,172,000 |
| Income tax | 1,356,000 | 2,770,000 | 4,065,000 | 4,985,000 |
| Net income | 2,742,000 | 5,612,000 | 8,282,000 | 10,187,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 101,200,000 | 104,356,000 | 106,843,000 | 108,750,000 |
| Total capital | 109,552,000 | 112,929,000 | 115,695,000 | 117,981,000 |
| Risk-weighted assets | 905,615,000 | 963,229,000 | 1,039,144,000 | 1,113,543,000 |