Call reports 2008
METROBANK — 2008
What METROBANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 226,995,000 | 236,474,000 | 236,477,000 | 231,025,000 |
| Total loans | 163,491,000 | 172,448,000 | 181,406,000 | 180,961,000 |
| Allowance for loan losses | 1,683,000 | 1,718,000 | 1,628,000 | 2,000,000 |
| Securities available for sale | 33,472,000 | 31,297,000 | 24,662,000 | 22,538,000 |
| Securities held to maturity | 7,790,000 | 7,793,000 | 7,795,000 | 2,738,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 195,653,000 | 192,375,000 | 179,515,000 | 182,207,000 |
| Interest-bearing deposits | 152,826,000 | 149,557,000 | 140,063,000 | 141,375,000 |
| Noninterest-bearing deposits | 42,828,000 | 42,817,000 | 39,452,000 | 40,832,000 |
| Equity capital | 29,158,000 | 29,623,000 | 30,417,000 | 30,980,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,618,000 | 7,438,000 | 11,030,000 | 14,960,000 |
| Interest expense | 1,201,000 | 2,319,000 | 3,391,000 | 4,381,000 |
| Net interest income | 2,417,000 | 5,119,000 | 7,639,000 | 10,579,000 |
| Noninterest income | 274,000 | 565,000 | 852,000 | 1,172,000 |
| Noninterest expense | 1,598,000 | 3,202,000 | 4,128,000 | 6,085,000 |
| Provision for loan losses | 47,000 | 125,000 | 200,000 | 591,000 |
| Pretax income | 1,047,000 | 2,359,000 | 4,165,000 | 5,082,000 |
| Income tax | 350,000 | 793,000 | 1,464,000 | 1,759,000 |
| Net income | 697,000 | 1,566,000 | 2,701,000 | 3,323,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,081,000 | 18,045,000 | 18,707,000 | 19,061,000 |
| Total capital | 18,764,000 | 19,763,000 | 20,335,000 | 21,061,000 |
| Risk-weighted assets | 174,818,000 | 181,285,000 | 187,058,000 | 192,374,000 |