Call reports 2005
METROPOLITAN BANK AND TRUST COMPANY — 2005
What METROPOLITAN BANK AND TRUST COMPANY 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 | 235,599,000 | 244,141,000 | 253,402,000 | 259,626,000 |
| Total loans | 193,351,000 | 204,085,000 | 210,267,000 | 218,173,000 |
| Allowance for loan losses | 2,212,000 | 2,301,000 | 2,392,000 | 2,482,000 |
| Securities available for sale | 262,000 | 265,000 | 260,000 | 258,000 |
| Securities held to maturity | 27,597,000 | 27,726,000 | 27,610,000 | 27,433,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 201,526,000 | 207,903,000 | 216,557,000 | 217,747,000 |
| Interest-bearing deposits | 161,145,000 | 167,038,000 | 172,642,000 | 174,925,000 |
| Noninterest-bearing deposits | 40,381,000 | 40,865,000 | 43,915,000 | 42,821,000 |
| Equity capital | 19,252,000 | 20,416,000 | 21,610,000 | 21,574,000 |
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 | 3,788,000 | 8,265,000 | 12,855,000 | 17,610,000 |
| Interest expense | 765,000 | 1,632,000 | 2,659,000 | 3,861,000 |
| Net interest income | 3,023,000 | 6,633,000 | 10,196,000 | 13,749,000 |
| Noninterest income | 605,000 | 1,226,000 | 1,829,000 | 2,396,000 |
| Noninterest expense | 2,057,000 | 4,404,000 | 6,613,000 | 8,836,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 360,000 |
| Pretax income | 1,481,000 | 3,276,000 | 5,143,000 | 6,950,000 |
| Income tax | 509,000 | 1,142,000 | 1,810,000 | 2,449,000 |
| Net income | 972,000 | 2,134,000 | 3,333,000 | 4,501,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,234,000 | 20,398,000 | 21,593,000 | 21,565,000 |
| Total capital | 21,446,000 | 22,699,000 | 23,985,000 | 24,047,000 |
| Risk-weighted assets | 201,819,000 | 210,660,000 | 218,620,000 | 222,677,000 |