Call reports 2023
US METRO BANK — 2023
What US METRO BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 1,136,654,000 | 1,156,226,000 | 1,198,944,000 | 1,225,106,000 |
| Total loans | 957,983,000 | 963,675,000 | 960,638,000 | 1,021,080,000 |
| Allowance for loan losses | 13,318,000 | 13,582,000 | 13,117,000 | 12,961,000 |
| Securities available for sale | 55,214,000 | 53,793,000 | 51,030,000 | 53,684,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 985,194,000 | 999,368,000 | 1,036,775,000 | 1,064,435,000 |
| Interest-bearing deposits | 728,260,000 | 785,878,000 | 837,171,000 | 889,881,000 |
| Noninterest-bearing deposits | 256,935,000 | 213,491,000 | 199,605,000 | 174,555,000 |
| Equity capital | 113,344,000 | 114,505,000 | 115,318,000 | 119,246,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 15,342,000 | 31,425,000 | 48,743,000 | 67,062,000 |
| Interest expense | 5,873,000 | 13,479,000 | 22,193,000 | 31,991,000 |
| Net interest income | 9,469,000 | 17,946,000 | 26,550,000 | 35,071,000 |
| Noninterest income | 3,015,000 | 6,671,000 | 9,478,000 | 12,582,000 |
| Noninterest expense | 7,525,000 | 15,182,000 | 22,752,000 | 30,484,000 |
| Provision for loan losses | 200,000 | 350,000 | 350,000 | 350,000 |
| Pretax income | 4,759,000 | 8,935,000 | 12,776,000 | 16,669,000 |
| Income tax | 1,300,000 | 2,550,000 | 3,650,000 | 4,699,000 |
| Net income | 3,459,000 | 6,394,000 | 9,154,000 | 12,016,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 119,812,000 | 121,537,000 | 123,793,000 | 125,432,000 |
| Total capital | — | 132,839,000 | 135,173,000 | 137,522,000 |
| Risk-weighted assets | — | 901,510,000 | 908,316,000 | 966,031,000 |