Call reports 2004
METRO BANK — 2004
What METRO BANK 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 | 373,246,000 | 387,091,000 | 378,629,000 | 377,105,000 |
| Total loans | 262,344,000 | 265,344,000 | 272,469,000 | 280,057,000 |
| Allowance for loan losses | 2,292,000 | 2,620,000 | 2,769,000 | 2,856,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 58,748,000 | 60,597,000 | 64,696,000 | 66,465,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 331,471,000 | 344,502,000 | 333,465,000 | 331,091,000 |
| Interest-bearing deposits | 302,866,000 | 316,938,000 | 302,052,000 | 298,444,000 |
| Noninterest-bearing deposits | 28,605,000 | 27,564,000 | 31,413,000 | 32,647,000 |
| Equity capital | 26,300,000 | 27,543,000 | 29,653,000 | 30,496,000 |
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 | 5,483,000 | 11,188,000 | 17,063,000 | 23,011,000 |
| Interest expense | 2,052,000 | 4,187,000 | 5,966,000 | 7,782,000 |
| Net interest income | 3,431,000 | 7,001,000 | 11,097,000 | 15,229,000 |
| Noninterest income | 459,000 | 709,000 | 1,194,000 | 1,635,000 |
| Noninterest expense | 1,634,000 | 3,158,000 | 4,816,000 | 7,174,000 |
| Provision for loan losses | 225,000 | 750,000 | 975,000 | 1,150,000 |
| Pretax income | 2,049,000 | 3,842,000 | 6,542,000 | 7,988,000 |
| Income tax | 480,000 | 1,030,000 | 1,620,000 | 2,224,000 |
| Net income | 1,569,000 | 2,812,000 | 4,922,000 | 5,764,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,300,000 | 27,543,000 | 29,653,000 | 30,496,000 |
| Total capital | 28,592,000 | 30,163,000 | 32,422,000 | 33,352,000 |
| Risk-weighted assets | 277,975,000 | 282,174,000 | 287,530,000 | 294,150,000 |