Call reports 2014
METRO BANK — 2014
What 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 | 199,088,000 | 211,296,000 | 223,493,000 | 210,456,000 |
| Total loans | 140,708,000 | 137,503,000 | 140,645,000 | 154,197,000 |
| Allowance for loan losses | 1,618,000 | 1,642,000 | 1,707,000 | 1,621,000 |
| Securities available for sale | 26,078,000 | 30,655,000 | 32,861,000 | 32,995,000 |
| Securities held to maturity | 0 | 10,000,000 | 10,000,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 171,972,000 | 184,293,000 | 195,892,000 | 182,373,000 |
| Interest-bearing deposits | 141,372,000 | 148,956,000 | 143,424,000 | 133,472,000 |
| Noninterest-bearing deposits | 30,600,000 | 35,337,000 | 52,468,000 | 48,901,000 |
| Equity capital | 24,749,000 | 24,645,000 | 25,117,000 | 25,789,000 |
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 | 2,184,000 | 4,447,000 | 6,800,000 | 9,202,000 |
| Interest expense | 287,000 | 582,000 | 855,000 | 1,119,000 |
| Net interest income | 1,897,000 | 3,865,000 | 5,945,000 | 8,083,000 |
| Noninterest income | 84,000 | 183,000 | 400,000 | 500,000 |
| Noninterest expense | 1,519,000 | 3,075,000 | 4,740,000 | 6,428,000 |
| Provision for loan losses | 16,000 | 40,000 | 40,000 | -46,000 |
| Pretax income | 446,000 | 933,000 | 1,603,000 | 2,239,000 |
| Income tax | 157,000 | 330,000 | 560,000 | 776,000 |
| Net income | 289,000 | 603,000 | 1,043,000 | 1,463,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,935,000 | 24,770,000 | 25,229,000 | 25,667,000 |
| Total capital | 26,553,000 | 26,412,000 | 26,936,000 | 27,288,000 |
| Risk-weighted assets | 159,991,000 | 171,350,000 | 172,885,000 | 171,287,000 |