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 | 170,320,000 | 174,353,000 | 171,646,000 | 164,437,000 |
| Total loans | 106,600,000 | 109,755,000 | 114,557,000 | 117,896,000 |
| Allowance for loan losses | 1,163,000 | 1,304,000 | 1,415,000 | 1,536,000 |
| Securities available for sale | 36,345,000 | 34,824,000 | 22,705,000 | 21,074,000 |
| Securities held to maturity | 300,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,237,000 | 133,608,000 | 128,608,000 | 128,197,000 |
| Interest-bearing deposits | 107,214,000 | 104,761,000 | 96,752,000 | 100,165,000 |
| Noninterest-bearing deposits | 32,023,000 | 28,847,000 | 31,856,000 | 28,032,000 |
| Equity capital | 30,636,000 | 30,494,000 | 30,369,000 | 30,405,000 |
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 | 1,854,000 | 3,772,000 | 5,702,000 | 7,632,000 |
| Interest expense | 362,000 | 719,000 | 1,101,000 | 1,492,000 |
| Net interest income | 1,492,000 | 3,053,000 | 4,601,000 | 6,140,000 |
| Noninterest income | 340,000 | 749,000 | 971,000 | 1,212,000 |
| Noninterest expense | 1,645,000 | 3,345,000 | 5,129,000 | 6,826,000 |
| Provision for loan losses | 30,000 | 60,000 | 170,000 | 487,000 |
| Pretax income | 140,000 | 388,000 | 23,000 | -191,000 |
| Income tax | 48,000 | 132,000 | 8,000 | -73,000 |
| Net income | 92,000 | 256,000 | 15,000 | -118,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,149,000 | 17,161,000 | 16,483,000 | 16,580,000 |
| Total capital | 20,312,000 | 18,465,000 | 17,898,000 | 18,116,000 |
| Risk-weighted assets | 128,115,000 | 133,208,000 | 129,387,000 | 139,987,000 |