Call reports 2003
METROPOLITAN BANK AND TRUST COMPANY — 2003
What METROPOLITAN BANK AND TRUST COMPANY 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 | 185,074,000 | 190,016,000 | 194,314,000 | 194,532,000 |
| Total loans | 120,402,000 | 129,636,000 | 142,625,000 | 144,550,000 |
| Allowance for loan losses | 1,490,000 | 1,580,000 | 1,672,000 | 1,765,000 |
| Securities available for sale | 7,054,000 | 4,009,000 | 0 | 0 |
| Securities held to maturity | 47,180,000 | 46,190,000 | 40,352,000 | 38,146,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 169,212,000 | 171,784,000 | 174,730,000 | 177,818,000 |
| Interest-bearing deposits | 137,009,000 | 138,586,000 | 139,566,000 | 142,346,000 |
| Noninterest-bearing deposits | 32,203,000 | 33,198,000 | 35,164,000 | 35,472,000 |
| Equity capital | 12,755,000 | 13,545,000 | 14,431,000 | 15,325,000 |
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 | 3,152,000 | 6,389,000 | 9,694,000 | 12,937,000 |
| Interest expense | 654,000 | 1,271,000 | 1,826,000 | 2,357,000 |
| Net interest income | 2,498,000 | 5,118,000 | 7,868,000 | 10,580,000 |
| Noninterest income | 517,000 | 1,037,000 | 1,559,000 | 2,131,000 |
| Noninterest expense | 1,873,000 | 3,748,000 | 5,614,000 | 7,447,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 360,000 |
| Pretax income | 1,052,000 | 2,230,000 | 3,551,000 | 4,914,000 |
| Income tax | 273,000 | 622,000 | 1,038,000 | 1,499,000 |
| Net income | 779,000 | 1,608,000 | 2,513,000 | 3,415,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,648,000 | 13,477,000 | 14,381,000 | 15,284,000 |
| Total capital | 14,138,000 | 15,057,000 | 16,053,000 | 17,049,000 |
| Risk-weighted assets | 123,016,000 | 140,910,000 | 151,173,000 | 152,188,000 |