Call reports 2009
US METRO BANK — 2009
What US METRO BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 124,841,000 | 126,402,000 | 123,845,000 | 116,740,000 |
| Total loans | 93,315,000 | 97,352,000 | 94,432,000 | 90,784,000 |
| Allowance for loan losses | 1,597,000 | 2,572,000 | 2,991,000 | 2,724,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,800,000 | 108,637,000 | 106,669,000 | 100,192,000 |
| Interest-bearing deposits | 94,549,000 | 95,978,000 | 93,249,000 | 86,136,000 |
| Noninterest-bearing deposits | 11,250,000 | 12,659,000 | 13,420,000 | 14,056,000 |
| Equity capital | 18,631,000 | 17,251,000 | 16,573,000 | 15,873,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,420,000 | 2,871,000 | 4,388,000 | 5,841,000 |
| Interest expense | 706,000 | 1,425,000 | 2,037,000 | 2,567,000 |
| Net interest income | 714,000 | 1,446,000 | 2,351,000 | 3,274,000 |
| Noninterest income | 177,000 | 363,000 | 732,000 | 1,021,000 |
| Noninterest expense | 1,001,000 | 2,049,000 | 3,144,000 | 4,182,000 |
| Provision for loan losses | 231,000 | 1,521,000 | 2,421,000 | 3,331,000 |
| Pretax income | -341,000 | -1,761,000 | -2,482,000 | -3,218,000 |
| Income tax | 0 | 0 | 1,000 | 1,000 |
| Net income | -341,000 | -1,761,000 | -2,483,000 | -3,219,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,631,000 | 17,251,000 | 16,554,000 | 15,854,000 |
| Total capital | 19,867,000 | 18,548,000 | 17,825,000 | 17,079,000 |
| Risk-weighted assets | 99,457,000 | 102,385,000 | 99,932,000 | 95,778,000 |
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