Call reports 2004
METRO UNITED BANK — 2004
What METRO UNITED BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 156,996,000 | 156,199,000 | 162,273,000 | 168,231,000 |
| Total loans | 120,370,000 | 120,543,000 | 124,266,000 | 128,552,000 |
| Allowance for loan losses | 1,957,000 | 2,017,000 | 2,077,000 | 2,137,000 |
| Securities available for sale | 3,523,000 | 4,495,000 | 3,511,000 | 5,142,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 143,246,000 | 142,297,000 | 147,685,000 | 153,345,000 |
| Interest-bearing deposits | 134,189,000 | 133,232,000 | 139,320,000 | 143,199,000 |
| Noninterest-bearing deposits | 9,058,000 | 9,065,000 | 8,365,000 | 10,146,000 |
| Equity capital | 11,287,000 | 11,687,000 | 12,322,000 | 12,600,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,899,000 | 3,852,000 | 5,893,000 | 8,243,000 |
| Interest expense | 601,000 | 1,182,000 | 1,828,000 | 2,568,000 |
| Net interest income | 1,298,000 | 2,670,000 | 4,065,000 | 5,675,000 |
| Noninterest income | 56,000 | 115,000 | 174,000 | 239,000 |
| Noninterest expense | 689,000 | 1,383,000 | 2,073,000 | 3,150,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 605,000 | 1,282,000 | 1,986,000 | 2,524,000 |
| Income tax | 229,000 | 487,000 | 753,000 | 1,007,000 |
| Net income | 376,000 | 795,000 | 1,233,000 | 1,517,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,270,000 | 11,689,000 | 12,315,000 | 12,598,000 |
| Total capital | 14,775,000 | 15,182,000 | 15,843,000 | 16,195,000 |
| Risk-weighted assets | 119,960,000 | 118,802,000 | 121,699,000 | 127,241,000 |