Call reports 2004
METROBANK — 2004
What METROBANK 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 | 187,134,000 | 180,156,000 | 185,793,000 | 190,618,000 |
| Total loans | 84,385,000 | 79,725,000 | 93,725,000 | 88,984,000 |
| Allowance for loan losses | 2,178,000 | 2,688,000 | 1,613,000 | 1,335,000 |
| Securities available for sale | 81,572,000 | 75,386,000 | 68,269,000 | 64,407,000 |
| Securities held to maturity | 772,000 | 774,000 | 2,875,000 | 3,697,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 166,636,000 | 159,459,000 | 154,205,000 | 160,235,000 |
| Interest-bearing deposits | 136,251,000 | 133,896,000 | 124,993,000 | 125,691,000 |
| Noninterest-bearing deposits | 30,385,000 | 25,563,000 | 29,212,000 | 34,544,000 |
| Equity capital | 14,490,000 | 13,372,000 | 27,035,000 | 27,336,000 |
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 | 2,040,000 | 4,080,000 | 6,513,000 | 8,712,000 |
| Interest expense | 464,000 | 902,000 | 1,306,000 | 1,719,000 |
| Net interest income | 1,576,000 | 3,178,000 | 5,207,000 | 6,993,000 |
| Noninterest income | 395,000 | 831,000 | 806,000 | 1,041,000 |
| Noninterest expense | 1,314,000 | 2,512,000 | 3,881,000 | 5,185,000 |
| Provision for loan losses | 50,000 | 1,006,000 | 236,000 | 236,000 |
| Pretax income | 591,000 | 463,000 | 1,903,000 | 2,620,000 |
| Income tax | 210,000 | 166,000 | 688,000 | 918,000 |
| Net income | 381,000 | 297,000 | 1,215,000 | 1,702,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,559,000 | 13,474,000 | 15,009,000 | 15,587,000 |
| Total capital | 14,900,000 | 14,724,000 | 16,448,000 | 16,922,000 |
| Risk-weighted assets | 106,437,000 | 98,563,000 | 114,909,000 | 113,018,000 |