Call reports 2020
US METRO BANK — 2020
What US METRO BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 588,773,000 | 665,229,000 | 733,656,000 | 766,987,000 |
| Total loans | 418,867,000 | 523,032,000 | 582,012,000 | 594,349,000 |
| Allowance for loan losses | 5,657,000 | 6,868,000 | 8,235,000 | 9,361,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 513,710,000 | 578,886,000 | 641,813,000 | 668,285,000 |
| Interest-bearing deposits | 391,370,000 | 393,949,000 | 451,905,000 | 475,250,000 |
| Noninterest-bearing deposits | 122,340,000 | 184,937,000 | 189,907,000 | 193,035,000 |
| Equity capital | 68,188,000 | 69,328,000 | 70,901,000 | 87,537,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 6,861,000 | 12,865,000 | 19,339,000 | 26,166,000 |
| Interest expense | 1,817,000 | 3,064,000 | 4,067,000 | 4,931,000 |
| Net interest income | 5,044,000 | 9,801,000 | 15,272,000 | 21,235,000 |
| Noninterest income | 988,000 | 1,792,000 | 3,913,000 | 6,506,000 |
| Noninterest expense | 4,119,000 | 6,878,000 | 10,770,000 | 15,634,000 |
| Provision for loan losses | 450,000 | 1,625,000 | 3,085,000 | 4,445,000 |
| Pretax income | 1,463,000 | 3,090,000 | 5,330,000 | 7,662,000 |
| Income tax | 438,000 | 925,000 | 1,592,000 | 2,288,000 |
| Net income | 1,025,000 | 2,165,000 | 3,738,000 | 5,374,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 66,252,000 | 68,057,000 | 69,649,000 | 86,300,000 |
| Total capital | 71,904,000 | 74,256,000 | 76,461,000 | 93,315,000 |
| Risk-weighted assets | 451,943,000 | 494,988,000 | 543,332,000 | 558,657,000 |