Call reports 2003
METROBANK — 2003
What METROBANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 216,480,000 | 211,021,000 | 201,259,000 | 187,822,000 |
| Total loans | 99,303,000 | 98,804,000 | 92,893,000 | 84,650,000 |
| Allowance for loan losses | 2,187,000 | 1,970,000 | 1,811,000 | 2,195,000 |
| Securities available for sale | 93,036,000 | 67,390,000 | 70,281,000 | 74,242,000 |
| Securities held to maturity | 0 | 0 | 141,000 | 143,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 196,095,000 | 191,193,000 | 179,394,000 | 168,423,000 |
| Interest-bearing deposits | 170,496,000 | 164,480,000 | 148,375,000 | 141,496,000 |
| Noninterest-bearing deposits | 25,599,000 | 26,713,000 | 31,019,000 | 26,927,000 |
| Equity capital | 13,809,000 | 13,790,000 | 14,661,000 | 13,695,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,663,000 | 4,842,000 | 6,570,000 | 8,674,000 |
| Interest expense | 829,000 | 1,575,000 | 2,189,000 | 2,708,000 |
| Net interest income | 1,834,000 | 3,267,000 | 4,381,000 | 5,966,000 |
| Noninterest income | 472,000 | 947,000 | 1,410,000 | 1,817,000 |
| Noninterest expense | 1,586,000 | 2,805,000 | 4,131,000 | 5,348,000 |
| Provision for loan losses | 104,000 | 204,000 | -796,000 | 954,000 |
| Pretax income | 529,000 | 1,026,000 | 2,204,000 | 1,209,000 |
| Income tax | 179,000 | 369,000 | 784,000 | 439,000 |
| Net income | 350,000 | 657,000 | 1,420,000 | 770,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,757,000 | 13,064,000 | 13,827,000 | 13,177,000 |
| Total capital | 14,235,000 | 14,529,000 | 15,212,000 | 14,468,000 |
| Risk-weighted assets | 117,495,000 | 116,776,000 | 110,388,000 | 102,336,000 |