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 | 159,151,000 | 158,991,000 | 152,095,000 | 151,830,000 |
| Total loans | 98,469,000 | 102,555,000 | 100,490,000 | 105,677,000 |
| Allowance for loan losses | 931,000 | 1,225,000 | 1,399,000 | 1,133,000 |
| Securities available for sale | 35,480,000 | 37,484,000 | 36,117,000 | 32,318,000 |
| Securities held to maturity | 300,000 | 300,000 | 300,000 | 300,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 141,809,000 | 141,435,000 | 134,983,000 | 134,596,000 |
| Interest-bearing deposits | 107,714,000 | 109,114,000 | 109,201,000 | 105,519,000 |
| Noninterest-bearing deposits | 34,095,000 | 32,321,000 | 25,782,000 | 29,077,000 |
| Equity capital | 16,506,000 | 16,771,000 | 16,678,000 | 16,249,000 |
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 | 1,976,000 | 4,037,000 | 6,035,000 | 7,948,000 |
| Interest expense | 418,000 | 838,000 | 1,234,000 | 1,596,000 |
| Net interest income | 1,558,000 | 3,199,000 | 4,801,000 | 6,352,000 |
| Noninterest income | 553,000 | 1,204,000 | 1,745,000 | 2,120,000 |
| Noninterest expense | 1,477,000 | 3,089,000 | 4,594,000 | 6,715,000 |
| Provision for loan losses | 55,000 | 335,000 | 585,000 | 915,000 |
| Pretax income | 568,000 | 967,000 | 1,401,000 | 975,000 |
| Income tax | 212,000 | 364,000 | 510,000 | 465,000 |
| Net income | 356,000 | 603,000 | 891,000 | 510,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,823,000 | 16,064,000 | 15,750,000 | 15,452,000 |
| Total capital | 16,754,000 | 17,289,000 | 17,149,000 | 16,585,000 |
| Risk-weighted assets | 127,687,000 | 133,396,000 | 117,174,000 | 124,543,000 |