Call reports 2012
US METRO BANK — 2012
What US METRO BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 91,538,000 | 85,784,000 | 87,526,000 | 83,347,000 |
| Total loans | 62,163,000 | 78,585,000 | 67,347,000 | 65,238,000 |
| Allowance for loan losses | 2,464,000 | 3,355,000 | 3,427,000 | 4,621,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,253,000 | 72,958,000 | 74,610,000 | 73,949,000 |
| Interest-bearing deposits | 62,992,000 | 60,251,000 | 62,243,000 | 60,573,000 |
| Noninterest-bearing deposits | 14,261,000 | 12,707,000 | 12,367,000 | 13,376,000 |
| Equity capital | 13,992,000 | 12,623,000 | 12,589,000 | 8,957,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 901,000 | 1,677,000 | 2,675,000 | 3,464,000 |
| Interest expense | 195,000 | 372,000 | 550,000 | 730,000 |
| Net interest income | 706,000 | 1,305,000 | 2,125,000 | 2,734,000 |
| Noninterest income | 189,000 | 338,000 | 560,000 | 681,000 |
| Noninterest expense | 953,000 | 1,877,000 | 2,737,000 | 3,973,000 |
| Provision for loan losses | 50,000 | 1,243,000 | 1,343,000 | 4,431,000 |
| Pretax income | -108,000 | -1,477,000 | -1,395,000 | -4,989,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -108,000 | -1,477,000 | -1,395,000 | -4,989,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,968,000 | 12,601,000 | 12,564,000 | 8,934,000 |
| Total capital | 14,759,000 | 13,612,000 | 13,439,000 | 9,776,000 |
| Risk-weighted assets | 61,526,000 | 78,442,000 | 67,417,000 | 63,575,000 |
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