Call reports 2004
METROPOLITAN SAVINGS BANK — 2004
What METROPOLITAN SAVINGS 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 | 13,280,000 | 13,610,000 | 13,727,000 | 13,266,000 |
| Total loans | 9,941,000 | 10,433,000 | 11,103,000 | 11,699,000 |
| Allowance for loan losses | 45,000 | 48,000 | 51,000 | 54,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 5,000 | 5,000 | 5,000 | 4,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 12,365,000 | 12,683,000 | 12,776,000 | 12,215,000 |
| Interest-bearing deposits | 12,146,000 | 12,444,000 | 12,578,000 | 11,922,000 |
| Noninterest-bearing deposits | 219,000 | 239,000 | 199,000 | 293,000 |
| Equity capital | 864,000 | 878,000 | 917,000 | 952,000 |
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 | 182,000 | 375,000 | 573,000 | 778,000 |
| Interest expense | 73,000 | 144,000 | 216,000 | 290,000 |
| Net interest income | 109,000 | 231,000 | 357,000 | 488,000 |
| Noninterest income | 4,000 | 7,000 | 14,000 | 20,000 |
| Noninterest expense | 55,000 | 129,000 | 199,000 | 256,000 |
| Provision for loan losses | 2,000 | 4,000 | 7,000 | 10,000 |
| Pretax income | 56,000 | 105,000 | 165,000 | 242,000 |
| Income tax | 0 | 35,000 | 56,000 | 98,000 |
| Net income | 56,000 | 70,000 | 109,000 | 144,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 864,000 | 878,000 | 917,000 | 952,000 |
| Total capital | 909,000 | 926,000 | 968,000 | 1,006,000 |
| Risk-weighted assets | 6,681,000 | 7,129,000 | 7,239,000 | 7,681,000 |