Call reports 2008
US METRO BANK — 2008
What US METRO BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 99,092,000 | 106,753,000 | 107,880,000 | 111,328,000 |
| Total loans | 81,589,000 | 90,778,000 | 91,138,000 | 91,235,000 |
| Allowance for loan losses | 1,229,000 | 1,329,000 | 1,378,000 | 1,371,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,850,000 | 89,635,000 | 90,988,000 | 94,785,000 |
| Interest-bearing deposits | 69,490,000 | 81,151,000 | 81,119,000 | 85,401,000 |
| Noninterest-bearing deposits | 7,360,000 | 8,484,000 | 9,870,000 | 9,384,000 |
| Equity capital | 16,542,000 | 16,342,000 | 16,219,000 | 16,042,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,583,000 | 3,134,000 | 4,833,000 | 6,396,000 |
| Interest expense | 725,000 | 1,427,000 | 2,194,000 | 2,955,000 |
| Net interest income | 858,000 | 1,707,000 | 2,639,000 | 3,441,000 |
| Noninterest income | 259,000 | 555,000 | 827,000 | 945,000 |
| Noninterest expense | 1,179,000 | 2,422,000 | 3,707,000 | 4,715,000 |
| Provision for loan losses | 137,000 | 338,000 | 477,000 | 647,000 |
| Pretax income | -199,000 | -498,000 | -718,000 | -976,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 16,000 |
| Net income | -200,000 | -499,000 | -719,000 | -992,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,542,000 | 16,342,000 | 16,219,000 | 16,042,000 |
| Total capital | 17,612,000 | 17,527,000 | 17,414,000 | 17,245,000 |
| Risk-weighted assets | 85,382,000 | 94,554,000 | 95,388,000 | 95,991,000 |
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