MetroBank, Income and Expense
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $10,328,000 | 2,932 |
| Total interest expense | $3,161,000 | 3,397 |
| Net interest income | $7,167,000 | 2,666 |
| Provision for loan and lease losses | $371,000 | 2,991 |
| Total noninterest income | $1,392,000 | 2,759 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $599,000 | 2,570 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $793,000 | 2,516 |
| Total noninterest expense | $5,424,000 | 2,714 |
| Salaries and employee benefits | $3,081,000 | 2,561 |
| Premises and equipment expense | $800,000 | 2,685 |
| Additional noninterest expense | $1,543,000 | 2,895 |
| Pre-tax net operating income | $2,764,000 | 2,668 |
| Securities gains (losses) | $85,000 | 1,891 |
| Applicable income taxes | $1,028,000 | 2,170 |
| Income before extraordinary items | $1,821,000 | 2,996 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,821,000 | 2,995 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $291,000 | 2,421 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,766,600 | 2,987 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $12,440,000 | 2,730 |
| Total interest expense | $5,202,000 | 3,053 |
| Net interest income | $7,238,000 | 2,474 |
| Provision for loan and lease losses | $230,000 | 3,830 |
| Total noninterest income | $1,442,000 | 2,591 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $585,000 | 2,487 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $857,000 | 2,280 |
| Total noninterest expense | $5,500,000 | 2,569 |
| Salaries and employee benefits | $2,774,000 | 2,690 |
| Premises and equipment expense | $895,000 | 2,379 |
| Additional noninterest expense | $1,831,000 | 2,433 |
| Pre-tax net operating income | $2,950,000 | 2,302 |
| Securities gains (losses) | $17,000 | 3,266 |
| Applicable income taxes | $1,130,000 | 1,908 |
| Income before extraordinary items | $1,837,000 | 2,733 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,837,000 | 2,736 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $125,000 | 3,685 |
| Cash dividends | $550,000 | 3,301 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,826,120 | 2,663 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $11,956,000 | 2,905 |
| Total interest expense | $5,377,000 | 3,105 |
| Net interest income | $6,579,000 | 2,711 |
| Provision for loan and lease losses | $102,000 | 5,242 |
| Total noninterest income | $1,216,000 | 2,730 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $501,000 | 2,685 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $715,000 | 2,320 |
| Total noninterest expense | $5,218,000 | 2,606 |
| Salaries and employee benefits | $2,580,000 | 2,749 |
| Premises and equipment expense | $924,000 | 2,227 |
| Additional noninterest expense | $1,714,000 | 2,500 |
| Pre-tax net operating income | $2,475,000 | 2,780 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $885,000 | 2,344 |
| Income before extraordinary items | $1,590,000 | 3,102 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,590,000 | 3,100 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $214,000 | 2,298 |
| Cash dividends | $1,150,000 | 2,057 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,590,000 | 3,097 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $10,210,000 | 3,168 |
| Total interest expense | $4,091,000 | 3,520 |
| Net interest income | $6,119,000 | 2,871 |
| Provision for loan and lease losses | $231,000 | 3,253 |
| Total noninterest income | $1,077,000 | 2,930 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $399,000 | 3,222 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $678,000 | 2,430 |
| Total noninterest expense | $4,598,000 | 2,931 |
| Salaries and employee benefits | $2,254,000 | 3,087 |
| Premises and equipment expense | $788,000 | 2,574 |
| Additional noninterest expense | $1,556,000 | 2,777 |
| Pre-tax net operating income | $2,367,000 | 2,922 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $916,000 | 2,351 |
| Income before extraordinary items | $1,451,000 | 3,318 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,451,000 | 3,318 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $67,000 | 4,321 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,451,000 | 3,279 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $9,832,000 | 3,280 |
| Total interest expense | $4,305,000 | 3,440 |
| Net interest income | $5,527,000 | 3,108 |
| Provision for loan and lease losses | $310,000 | 2,519 |
| Total noninterest income | $965,000 | 3,168 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $354,000 | 3,474 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $611,000 | 2,619 |
| Total noninterest expense | $4,286,000 | 3,027 |
| Salaries and employee benefits | $1,957,000 | 3,414 |
| Premises and equipment expense | $751,000 | 2,591 |
| Additional noninterest expense | $1,578,000 | 2,648 |
| Pre-tax net operating income | $1,896,000 | 3,486 |
| Securities gains (losses) | $-9,000 | 10,176 |
| Applicable income taxes | $767,000 | 2,835 |
| Income before extraordinary items | $1,120,000 | 4,130 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,120,000 | 4,129 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 7,204 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,125,760 | 4,028 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $8,656,000 | 3,699 |
| Total interest expense | $3,806,000 | 3,863 |
| Net interest income | $4,850,000 | 3,594 |
| Provision for loan and lease losses | $200,000 | 3,424 |
| Total noninterest income | $892,000 | 3,318 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $319,000 | 3,888 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $573,000 | 2,576 |
| Total noninterest expense | $4,146,000 | 3,082 |
| Salaries and employee benefits | $1,797,000 | 3,644 |
| Premises and equipment expense | $765,000 | 2,523 |
| Additional noninterest expense | $1,584,000 | 2,592 |
| Pre-tax net operating income | $1,396,000 | 4,732 |
| Securities gains (losses) | $-15,000 | 10,235 |
| Applicable income taxes | $539,000 | 4,000 |
| Income before extraordinary items | $842,000 | 5,283 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $842,000 | 5,285 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 4,572 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $851,600 | 5,194 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,684,000 | 4,188 |
| Total interest expense | $3,529,000 | 4,167 |
| Net interest income | $4,155,000 | 4,189 |
| Provision for loan and lease losses | $67,000 | 5,924 |
| Total noninterest income | $673,000 | 4,230 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $302,000 | 4,205 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $371,000 | 3,550 |
| Total noninterest expense | $3,646,000 | 3,638 |
| Salaries and employee benefits | $1,570,000 | 4,142 |
| Premises and equipment expense | $559,000 | 3,439 |
| Additional noninterest expense | $1,517,000 | 3,084 |
| Pre-tax net operating income | $1,115,000 | 5,366 |
| Securities gains (losses) | $-22,000 | 10,677 |
| Applicable income taxes | $481,000 | 4,269 |
| Income before extraordinary items | $612,000 | 6,198 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $612,000 | 6,201 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $111,000 | 3,724 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $626,080 | 6,062 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $7,221,000 | 4,436 |
| Total interest expense | $3,274,000 | 4,405 |
| Net interest income | $3,947,000 | 4,363 |
| Provision for loan and lease losses | $367,000 | 1,985 |
| Total noninterest income | $746,000 | 3,890 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $308,000 | 4,202 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $438,000 | 3,132 |
| Total noninterest expense | $3,311,000 | 3,944 |
| Salaries and employee benefits | $1,473,000 | 4,355 |
| Premises and equipment expense | $383,000 | 4,709 |
| Additional noninterest expense | $1,455,000 | 3,173 |
| Pre-tax net operating income | $1,015,000 | 5,929 |
| Securities gains (losses) | $14,000 | 2,143 |
| Applicable income taxes | $419,000 | 4,790 |
| Income before extraordinary items | $610,000 | 6,559 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $610,000 | 6,557 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 5,418 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $601,040 | 6,598 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,815,000 | 5,004 |
| Total interest expense | $2,429,000 | 4,771 |
| Net interest income | $3,386,000 | 5,083 |
| Provision for loan and lease losses | $165,000 | 3,404 |
| Total noninterest income | $541,000 | 4,996 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $330,000 | 4,032 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $211,000 | 5,099 |
| Total noninterest expense | $2,960,000 | 4,470 |
| Salaries and employee benefits | $1,289,000 | 4,917 |
| Premises and equipment expense | $374,000 | 4,847 |
| Additional noninterest expense | $1,297,000 | 3,778 |
| Pre-tax net operating income | $802,000 | 6,854 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $340,000 | 5,390 |
| Income before extraordinary items | $462,000 | 7,603 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $462,000 | 7,611 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 6,043 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $462,000 | 7,653 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,927,000 | 5,855 |
| Total interest expense | $1,941,000 | 5,983 |
| Net interest income | $2,986,000 | 5,674 |
| Provision for loan and lease losses | $247,000 | 3,433 |
| Total noninterest income | $456,000 | 5,932 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $308,000 | 4,326 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $148,000 | 6,604 |
| Total noninterest expense | $2,839,000 | 4,727 |
| Salaries and employee benefits | $1,123,000 | 5,545 |
| Premises and equipment expense | $474,000 | 4,061 |
| Additional noninterest expense | $1,242,000 | 4,073 |
| Pre-tax net operating income | $356,000 | 9,769 |
| Securities gains (losses) | $11,000 | 5,374 |
| Applicable income taxes | $134,000 | 9,002 |
| Income before extraordinary items | $233,000 | 10,241 |
| Extraordinary gains, net | $325,000 | 654 |
| Net income | $558,000 | 7,261 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $468,000 | 1,841 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $225,960 | 10,093 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,567,000 | 6,809 |
| Total interest expense | $1,861,000 | 7,447 |
| Net interest income | $2,706,000 | 6,202 |
| Provision for loan and lease losses | $192,000 | 5,326 |
| Total noninterest income | $416,000 | 6,396 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $292,000 | 4,546 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $124,000 | 7,335 |
| Total noninterest expense | $2,641,000 | 5,054 |
| Salaries and employee benefits | $1,021,000 | 5,918 |
| Premises and equipment expense | $422,000 | 4,598 |
| Additional noninterest expense | $1,198,000 | 4,344 |
| Pre-tax net operating income | $289,000 | 10,244 |
| Securities gains (losses) | $254,000 | 1,699 |
| Applicable income taxes | $0 | 12,680 |
| Income before extraordinary items | $543,000 | 6,968 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $543,000 | 7,059 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $94,000 | 6,068 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $289,000 | 9,069 |
* The data above is accumulated from the beginning of the year to the date posted. The data for Dec. 31 is the number for the entire year.