Call reports 2016
US METRO BANK — 2016
What US METRO BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 157,889,000 | 153,151,000 | 170,147,000 | 194,628,000 |
| Total loans | 108,816,000 | 116,179,000 | 124,263,000 | 142,131,000 |
| Allowance for loan losses | 3,287,000 | 3,308,000 | 3,671,000 | 3,273,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,443,000 | 133,089,000 | 145,084,000 | 168,931,000 |
| Interest-bearing deposits | 116,233,000 | 111,809,000 | 115,706,000 | 131,398,000 |
| Noninterest-bearing deposits | 22,210,000 | 21,281,000 | 29,378,000 | 37,533,000 |
| Equity capital | 18,980,000 | 19,562,000 | 24,454,000 | 25,124,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,403,000 | 3,012,000 | 4,814,000 | 6,703,000 |
| Interest expense | 259,000 | 502,000 | 768,000 | 1,049,000 |
| Net interest income | 1,144,000 | 2,510,000 | 4,046,000 | 5,654,000 |
| Noninterest income | 905,000 | 1,709,000 | 2,963,000 | 3,542,000 |
| Noninterest expense | 1,517,000 | 3,109,000 | 4,888,000 | 7,002,000 |
| Provision for loan losses | 0 | 0 | 0 | -425,000 |
| Pretax income | 532,000 | 1,110,000 | 2,121,000 | 2,619,000 |
| Income tax | 0 | 1,000 | 12,000 | 23,000 |
| Net income | 532,000 | 1,109,000 | 2,109,000 | 2,596,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,872,000 | 19,451,000 | 24,344,000 | 25,027,000 |
| Total capital | 20,276,000 | 21,002,000 | 25,975,000 | 26,861,000 |
| Risk-weighted assets | 110,372,000 | 122,271,000 | 128,423,000 | 145,225,000 |