Call reports 2003
METRO UNITED BANK — 2003
What METRO UNITED BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 150,389,000 | 157,598,000 | 152,905,000 | 155,371,000 |
| Total loans | 115,360,000 | 118,415,000 | 124,107,000 | 123,681,000 |
| Allowance for loan losses | 1,717,000 | 1,777,000 | 1,837,000 | 1,898,000 |
| Securities available for sale | 5,925,000 | 5,290,000 | 3,522,000 | 3,496,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,081,000 | 145,103,000 | 140,044,000 | 142,188,000 |
| Interest-bearing deposits | 129,992,000 | 134,943,000 | 131,275,000 | 133,966,000 |
| Noninterest-bearing deposits | 8,089,000 | 10,160,000 | 8,769,000 | 8,222,000 |
| Equity capital | 9,974,000 | 10,212,000 | 10,590,000 | 10,898,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,790,000 | 3,604,000 | 5,449,000 | 7,340,000 |
| Interest expense | 760,000 | 1,490,000 | 2,133,000 | 2,753,000 |
| Net interest income | 1,030,000 | 2,114,000 | 3,316,000 | 4,587,000 |
| Noninterest income | 52,000 | 109,000 | 166,000 | 221,000 |
| Noninterest expense | 671,000 | 1,338,000 | 1,999,000 | 2,908,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 351,000 | 869,000 | 1,407,000 | 1,764,000 |
| Income tax | 141,000 | 348,000 | 548,000 | 700,000 |
| Net income | 210,000 | 521,000 | 859,000 | 1,064,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,899,000 | 10,211,000 | 10,574,000 | 10,894,000 |
| Total capital | 13,391,000 | 13,707,000 | 14,099,000 | 14,426,000 |
| Risk-weighted assets | 119,168,000 | 119,437,000 | 121,711,000 | 122,203,000 |