Call reports 2005
METRO BANK — 2005
What METRO BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 385,896,000 | 391,356,000 | 407,983,000 | 416,451,000 |
| Total loans | 283,565,000 | 296,679,000 | 318,351,000 | 326,018,000 |
| Allowance for loan losses | 2,961,000 | 3,009,000 | 3,163,000 | 3,253,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 65,708,000 | 65,520,000 | 67,579,000 | 67,956,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 338,559,000 | 351,004,000 | 364,823,000 | 367,050,000 |
| Interest-bearing deposits | 302,136,000 | 310,625,000 | 323,444,000 | 326,338,000 |
| Noninterest-bearing deposits | 36,423,000 | 40,379,000 | 41,379,000 | 40,712,000 |
| Equity capital | 31,021,000 | 32,986,000 | 35,127,000 | 35,366,000 |
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 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 6,052,000 | 12,596,000 | 19,056,000 | 26,313,000 |
| Interest expense | 2,000,000 | 4,149,000 | 6,559,000 | 9,347,000 |
| Net interest income | 4,052,000 | 8,447,000 | 12,497,000 | 16,966,000 |
| Noninterest income | 555,000 | 1,220,000 | 2,424,000 | 3,281,000 |
| Noninterest expense | 1,871,000 | 3,939,000 | 5,972,000 | 8,787,000 |
| Provision for loan losses | 225,000 | 525,000 | 825,000 | 1,125,000 |
| Pretax income | 2,513,000 | 5,203,000 | 8,124,000 | 10,235,000 |
| Income tax | 780,000 | 1,505,000 | 2,285,000 | 2,897,000 |
| Net income | 1,733,000 | 3,698,000 | 5,839,000 | 7,338,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,021,000 | 32,986,000 | 35,127,000 | 35,366,000 |
| Total capital | 33,982,000 | 35,995,000 | 38,290,000 | 38,619,000 |
| Risk-weighted assets | 298,321,000 | 309,722,000 | 330,412,000 | 338,444,000 |