Call reports 2010
US METRO BANK — 2010
What US METRO BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 112,674,000 | 108,035,000 | 105,912,000 | 101,691,000 |
| Total loans | 89,578,000 | 87,010,000 | 85,899,000 | 84,617,000 |
| Allowance for loan losses | 2,965,000 | 1,680,000 | 1,834,000 | 2,018,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,311,000 | 90,195,000 | 89,117,000 | 84,555,000 |
| Interest-bearing deposits | 82,088,000 | 79,124,000 | 78,085,000 | 75,245,000 |
| Noninterest-bearing deposits | 14,223,000 | 11,072,000 | 11,032,000 | 9,310,000 |
| Equity capital | 15,500,000 | 15,588,000 | 15,740,000 | 15,677,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,241,000 | 2,612,000 | 3,956,000 | 5,306,000 |
| Interest expense | 451,000 | 719,000 | 981,000 | 1,242,000 |
| Net interest income | 790,000 | 1,893,000 | 2,975,000 | 4,064,000 |
| Noninterest income | 94,000 | 311,000 | 648,000 | 878,000 |
| Noninterest expense | 1,002,000 | 1,933,000 | 2,906,000 | 3,820,000 |
| Provision for loan losses | 260,000 | 565,000 | 870,000 | 1,325,000 |
| Pretax income | -378,000 | -294,000 | -153,000 | -203,000 |
| Income tax | 0 | 1,000 | -14,000 | -14,000 |
| Net income | -378,000 | -295,000 | -139,000 | -189,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,483,000 | 15,573,000 | 15,724,000 | 15,662,000 |
| Total capital | 16,654,000 | 16,685,000 | 16,832,000 | 16,735,000 |
| Risk-weighted assets | 91,810,000 | 88,301,000 | 87,821,000 | 84,793,000 |
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