Call reports 2005
METROPOLITAN SAVINGS BANK — 2005
What METROPOLITAN SAVINGS 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 | 14,193,000 | 14,043,000 | 14,212,000 | 14,450,000 |
| Total loans | 12,703,000 | 13,123,000 | 13,018,000 | 13,104,000 |
| Allowance for loan losses | 58,000 | 59,000 | 68,000 | 69,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,000 | 4,000 | 4,000 | 3,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 13,160,000 | 12,955,000 | 13,046,000 | 13,264,000 |
| Interest-bearing deposits | 12,905,000 | 12,576,000 | 12,649,000 | 12,781,000 |
| Noninterest-bearing deposits | 255,000 | 379,000 | 397,000 | 483,000 |
| Equity capital | 998,000 | 1,026,000 | 1,072,000 | 1,110,000 |
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 | 189,000 | 324,000 | 589,000 | 768,000 |
| Interest expense | 76,000 | 142,000 | 249,000 | 353,000 |
| Net interest income | 113,000 | 182,000 | 340,000 | 415,000 |
| Noninterest income | 4,000 | 8,000 | 12,000 | 20,000 |
| Noninterest expense | 59,000 | 111,000 | 184,000 | 262,000 |
| Provision for loan losses | 4,000 | 5,000 | 14,000 | 15,000 |
| Pretax income | 54,000 | 74,000 | 154,000 | 158,000 |
| Income tax | 8,000 | 0 | 34,000 | 0 |
| Net income | 46,000 | 74,000 | 120,000 | 158,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 998,000 | 1,026,000 | 1,072,000 | 1,110,000 |
| Total capital | 1,056,000 | 1,085,000 | 1,140,000 | 1,179,000 |
| Risk-weighted assets | 9,131,000 | 8,056,000 | 7,895,000 | 8,200,000 |