Call reports 2007
METROBANK — 2007
What METROBANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 231,476,000 | 235,183,000 | 225,409,000 | 225,484,000 |
| Total loans | 155,920,000 | 147,367,000 | 151,704,000 | 156,432,000 |
| Allowance for loan losses | 1,511,000 | 1,586,000 | 1,594,000 | 1,635,000 |
| Securities available for sale | 38,961,000 | 36,892,000 | 35,597,000 | 34,301,000 |
| Securities held to maturity | 10,559,000 | 10,561,000 | 10,563,000 | 7,792,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 200,391,000 | 202,686,000 | 192,683,000 | 193,138,000 |
| Interest-bearing deposits | 163,305,000 | 161,991,000 | 152,813,000 | 151,440,000 |
| Noninterest-bearing deposits | 37,086,000 | 40,695,000 | 39,870,000 | 41,698,000 |
| Equity capital | 29,252,000 | 29,879,000 | 30,925,000 | 30,871,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,809,000 | 7,802,000 | 11,816,000 | 15,752,000 |
| Interest expense | 1,478,000 | 3,039,000 | 4,483,000 | 5,793,000 |
| Net interest income | 2,331,000 | 4,763,000 | 7,333,000 | 9,959,000 |
| Noninterest income | 256,000 | 583,000 | 849,000 | 1,110,000 |
| Noninterest expense | 1,506,000 | 3,006,000 | 4,540,000 | 6,180,000 |
| Provision for loan losses | 90,000 | 180,000 | 225,000 | 270,000 |
| Pretax income | 991,000 | 2,160,000 | 3,417,000 | 4,620,000 |
| Income tax | 341,000 | 744,000 | 1,189,000 | 1,619,000 |
| Net income | 650,000 | 1,416,000 | 2,228,000 | 3,001,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,023,000 | 18,104,000 | 19,016,000 | 18,880,000 |
| Total capital | 18,534,000 | 19,690,000 | 20,610,000 | 20,514,000 |
| Risk-weighted assets | 183,314,000 | 150,185,000 | 172,191,000 | 176,270,000 |