Call reports 2005
METROBANK — 2005
What METROBANK 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 | 207,475,000 | 206,788,000 | 208,820,000 | 210,610,000 |
| Total loans | 106,552,000 | 120,524,000 | 117,816,000 | 127,937,000 |
| Allowance for loan losses | 1,384,000 | 1,480,000 | 1,421,000 | 1,453,000 |
| Securities available for sale | 55,200,000 | 53,601,000 | 51,546,000 | 48,860,000 |
| Securities held to maturity | 7,796,000 | 7,798,000 | 10,659,000 | 10,507,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 177,988,000 | 176,128,000 | 178,149,000 | 177,707,000 |
| Interest-bearing deposits | 144,653,000 | 143,997,000 | 148,943,000 | 147,706,000 |
| Noninterest-bearing deposits | 33,334,000 | 32,131,000 | 29,206,000 | 30,001,000 |
| Equity capital | 26,585,000 | 27,628,000 | 28,062,000 | 28,067,000 |
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 | 2,371,000 | 5,219,000 | 8,080,000 | 11,144,000 |
| Interest expense | 516,000 | 1,128,000 | 1,843,000 | 2,687,000 |
| Net interest income | 1,855,000 | 4,091,000 | 6,237,000 | 8,457,000 |
| Noninterest income | 254,000 | 599,000 | 912,000 | 1,195,000 |
| Noninterest expense | 1,228,000 | 2,694,000 | 4,048,000 | 5,450,000 |
| Provision for loan losses | 63,000 | 126,000 | 189,000 | 252,000 |
| Pretax income | 818,000 | 1,870,000 | 2,912,000 | 3,950,000 |
| Income tax | 274,000 | 634,000 | 994,000 | 1,349,000 |
| Net income | 544,000 | 1,236,000 | 1,918,000 | 2,601,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,535,000 | 15,315,000 | 16,083,000 | 16,332,000 |
| Total capital | 15,919,000 | 16,795,000 | 17,504,000 | 17,785,000 |
| Risk-weighted assets | 134,937,000 | 149,165,000 | 150,919,000 | 156,952,000 |