Call reports 2015
US METRO BANK — 2015
What US METRO BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 121,204,000 | 127,238,000 | 128,225,000 | 154,530,000 |
| Total loans | 86,664,000 | 93,615,000 | 95,091,000 | 100,697,000 |
| Allowance for loan losses | 4,393,000 | 3,180,000 | 3,242,000 | 3,264,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,373,000 | 106,935,000 | 107,160,000 | 132,716,000 |
| Interest-bearing deposits | 82,260,000 | 82,068,000 | 83,744,000 | 110,225,000 |
| Noninterest-bearing deposits | 23,113,000 | 24,867,000 | 23,416,000 | 22,491,000 |
| Equity capital | 15,525,000 | 20,052,000 | 20,605,000 | 21,477,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 986,000 | 2,042,000 | 3,246,000 | 4,481,000 |
| Interest expense | 186,000 | 375,000 | 567,000 | 783,000 |
| Net interest income | 800,000 | 1,667,000 | 2,679,000 | 3,698,000 |
| Noninterest income | 710,000 | 1,138,000 | 2,291,000 | 3,633,000 |
| Noninterest expense | 1,428,000 | 2,800,000 | 4,406,000 | 5,897,000 |
| Provision for loan losses | -400,000 | -1,600,000 | -1,600,000 | -1,600,000 |
| Pretax income | 482,000 | 1,605,000 | 2,164,000 | 3,034,000 |
| Income tax | 0 | 1,000 | 1,000 | 1,000 |
| Net income | 482,000 | 1,604,000 | 2,163,000 | 3,033,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,503,000 | 20,017,000 | 20,539,000 | 21,413,000 |
| Total capital | 16,518,000 | 21,092,000 | 21,695,000 | 22,720,000 |
| Risk-weighted assets | 77,804,000 | 83,812,000 | 90,205,000 | 102,521,000 |