Call reports 2003
METRO BANK — 2003
What METRO BANK 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 | 307,235,000 | 322,655,000 | 340,931,000 | 354,552,000 |
| Total loans | 227,899,000 | 230,147,000 | 236,064,000 | 245,717,000 |
| Allowance for loan losses | 1,825,000 | 1,888,000 | 2,037,000 | 2,097,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 41,431,000 | 41,902,000 | 44,591,000 | 51,335,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 269,946,000 | 284,124,000 | 301,292,000 | 313,465,000 |
| Interest-bearing deposits | 246,515,000 | 259,870,000 | 273,582,000 | 287,841,000 |
| Noninterest-bearing deposits | 23,431,000 | 24,254,000 | 27,710,000 | 25,624,000 |
| Equity capital | 22,308,000 | 23,362,000 | 24,698,000 | 25,886,000 |
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 | 4,927,000 | 10,048,000 | 15,152,000 | 20,489,000 |
| Interest expense | 2,004,000 | 4,011,000 | 5,994,000 | 7,991,000 |
| Net interest income | 2,923,000 | 6,037,000 | 9,158,000 | 12,498,000 |
| Noninterest income | 417,000 | 844,000 | 1,166,000 | 1,565,000 |
| Noninterest expense | 1,382,000 | 2,677,000 | 4,153,000 | 6,046,000 |
| Provision for loan losses | 150,000 | 375,000 | 600,000 | 825,000 |
| Pretax income | 1,826,000 | 3,469,000 | 5,138,000 | 6,769,000 |
| Income tax | 340,000 | 930,000 | 1,262,000 | 1,705,000 |
| Net income | 1,486,000 | 2,539,000 | 3,876,000 | 5,064,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,308,000 | 23,362,000 | 24,698,000 | 25,886,000 |
| Total capital | 24,133,000 | 25,250,000 | 26,735,000 | 27,983,000 |
| Risk-weighted assets | 234,825,000 | 240,520,000 | 248,227,000 | 259,381,000 |