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 |
|---|---|---|---|
| Total assets | 170,859,000 | 175,901,000 | 181,828,000 |
| Total loans | 121,827,000 | 128,545,000 | 132,059,000 |
| Allowance for loan losses | 1,651,000 | 1,782,000 | 1,890,000 |
| Securities available for sale | 19,771,000 | 18,947,000 | 18,014,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 138,140,000 | 131,120,000 | 137,508,000 |
| Interest-bearing deposits | 112,286,000 | 95,798,000 | 103,201,000 |
| Noninterest-bearing deposits | 25,854,000 | 35,322,000 | 34,307,000 |
| Equity capital | 30,097,000 | 30,323,000 | 29,931,000 |
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 |
|---|---|---|---|
| Interest income | 2,008,000 | 4,118,000 | 6,076,000 |
| Interest expense | 428,000 | 940,000 | 1,675,000 |
| Net interest income | 1,580,000 | 3,178,000 | 4,401,000 |
| Noninterest income | 235,000 | 492,000 | 563,000 |
| Noninterest expense | 1,880,000 | 3,607,000 | 5,234,000 |
| Provision for loan losses | 120,000 | 250,000 | 360,000 |
| Pretax income | -185,000 | -187,000 | -630,000 |
| Income tax | -63,000 | -151,000 | -288,000 |
| Net income | -122,000 | -36,000 | -342,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 |
|---|---|---|---|
| Tier 1 capital | 16,750,000 | 17,002,000 | 16,822,000 |
| Total capital | 18,401,000 | 18,784,000 | 18,712,000 |
| Risk-weighted assets | 145,969,000 | 153,152,000 | 156,137,000 |