Call reports 2014
US METRO BANK — 2014
What US METRO BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 89,424,000 | 104,281,000 | 107,952,000 | 109,989,000 |
| Total loans | 53,640,000 | 71,007,000 | 73,220,000 | 85,610,000 |
| Allowance for loan losses | 5,471,000 | 5,669,000 | 6,049,000 | 4,285,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,908,000 | 90,433,000 | 93,974,000 | 94,657,000 |
| Interest-bearing deposits | 62,861,000 | 75,990,000 | 72,853,000 | 74,143,000 |
| Noninterest-bearing deposits | 12,047,000 | 14,444,000 | 21,121,000 | 20,514,000 |
| Equity capital | 14,217,000 | 13,579,000 | 13,683,000 | 15,039,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 657,000 | 1,384,000 | 2,204,000 | 3,136,000 |
| Interest expense | 157,000 | 332,000 | 514,000 | 697,000 |
| Net interest income | 500,000 | 1,052,000 | 1,690,000 | 2,439,000 |
| Noninterest income | 72,000 | 190,000 | 921,000 | 1,140,000 |
| Noninterest expense | 1,090,000 | 2,381,000 | 3,648,000 | 5,065,000 |
| Provision for loan losses | 0 | 0 | 0 | -1,800,000 |
| Pretax income | -518,000 | -1,139,000 | -1,037,000 | 314,000 |
| Income tax | 2,000 | 2,000 | 2,000 | 2,000 |
| Net income | -520,000 | -1,141,000 | -1,039,000 | 312,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,199,000 | 13,564,000 | 13,647,000 | 15,039,000 |
| Total capital | 14,889,000 | 14,404,000 | 14,528,000 | 16,041,000 |
| Risk-weighted assets | 50,329,000 | 62,337,000 | 65,242,000 | 76,807,000 |
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