Call reports 2003
METROPOLITAN SAVINGS BANK — 2003
What METROPOLITAN SAVINGS 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 | 11,180,000 | 12,552,000 | 12,740,000 | 13,274,000 |
| Total loans | 8,186,000 | 8,522,000 | 8,559,000 | 9,427,000 |
| Allowance for loan losses | 39,000 | 41,000 | 42,000 | 44,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 19,000 | 15,000 | 8,000 | 8,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 10,392,000 | 11,502,000 | 11,826,000 | 12,371,000 |
| Interest-bearing deposits | 10,145,000 | 11,247,000 | 11,615,000 | 12,168,000 |
| Noninterest-bearing deposits | 247,000 | 255,000 | 212,000 | 203,000 |
| Equity capital | 743,000 | 776,000 | 786,000 | 808,000 |
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 | 164,000 | 332,000 | 497,000 | 672,000 |
| Interest expense | 82,000 | 165,000 | 244,000 | 322,000 |
| Net interest income | 82,000 | 167,000 | 253,000 | 350,000 |
| Noninterest income | 1,000 | 3,000 | 7,000 | 10,000 |
| Noninterest expense | 49,000 | 101,000 | 150,000 | 204,000 |
| Provision for loan losses | 1,000 | 3,000 | 5,000 | 6,000 |
| Pretax income | 33,000 | 66,000 | 105,000 | 150,000 |
| Income tax | 0 | 0 | 29,000 | 52,000 |
| Net income | 33,000 | 66,000 | 76,000 | 98,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 743,000 | 776,000 | 786,000 | 808,000 |
| Total capital | 782,000 | 817,000 | 828,000 | 852,000 |
| Risk-weighted assets | 5,829,000 | 6,982,000 | 6,720,000 | 6,417,000 |