Call reports 2004
METROPOLITAN BANK AND TRUST COMPANY — 2004
What METROPOLITAN BANK AND TRUST COMPANY 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 | 215,426,000 | 234,197,000 | 216,589,000 | 226,007,000 |
| Total loans | 153,223,000 | 177,159,000 | 173,058,000 | 179,505,000 |
| Allowance for loan losses | 1,856,000 | 1,946,000 | 2,035,000 | 2,124,000 |
| Securities available for sale | 0 | 100,000 | 102,000 | 265,000 |
| Securities held to maturity | 36,947,000 | 34,003,000 | 31,909,000 | 28,184,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 197,792,000 | 215,468,000 | 191,412,000 | 192,945,000 |
| Interest-bearing deposits | 160,246,000 | 177,134,000 | 149,900,000 | 152,757,000 |
| Noninterest-bearing deposits | 37,546,000 | 38,334,000 | 41,512,000 | 40,188,000 |
| Equity capital | 16,059,000 | 16,971,000 | 18,047,000 | 19,004,000 |
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 | 3,196,000 | 6,733,000 | 10,438,000 | 14,107,000 |
| Interest expense | 526,000 | 1,119,000 | 1,720,000 | 2,387,000 |
| Net interest income | 2,670,000 | 5,614,000 | 8,718,000 | 11,720,000 |
| Noninterest income | 514,000 | 1,071,000 | 1,662,000 | 2,274,000 |
| Noninterest expense | 1,994,000 | 4,044,000 | 6,004,000 | 8,063,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 360,000 |
| Pretax income | 1,110,000 | 2,478,000 | 4,125,000 | 5,590,000 |
| Income tax | 369,000 | 821,000 | 1,389,000 | 1,890,000 |
| Net income | 741,000 | 1,657,000 | 2,736,000 | 3,700,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,025,000 | 16,941,000 | 18,019,000 | 18,984,000 |
| Total capital | 17,881,000 | 18,887,000 | 20,055,000 | 21,108,000 |
| Risk-weighted assets | 163,384,000 | 185,754,000 | 179,223,000 | 186,691,000 |