Call reports 2005
METRO UNITED BANK — 2005
What METRO UNITED BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 165,287,000 | 174,130,000 | 179,992,000 | 212,766,000 |
| Total loans | 132,396,000 | 133,650,000 | 137,176,000 | 134,940,000 |
| Allowance for loan losses | 2,198,000 | 2,257,000 | 2,317,000 | 2,377,000 |
| Securities available for sale | 6,412,000 | 5,464,000 | 5,438,000 | 5,381,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 149,435,000 | 158,092,000 | 161,613,000 | 171,605,000 |
| Interest-bearing deposits | 140,615,000 | 147,488,000 | 150,804,000 | 163,194,000 |
| Noninterest-bearing deposits | 8,820,000 | 10,604,000 | 10,809,000 | 8,411,000 |
| Equity capital | 13,117,000 | 13,668,000 | 11,513,000 | 40,157,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,529,000 | 5,211,000 | 8,229,000 | 3,352,000 |
| Interest expense | 825,000 | 1,813,000 | 3,004,000 | 1,456,000 |
| Net interest income | 1,704,000 | 3,398,000 | 5,225,000 | 1,896,000 |
| Noninterest income | 68,000 | 155,000 | 230,000 | 67,000 |
| Noninterest expense | 735,000 | 1,565,000 | 6,939,000 | 1,143,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 60,000 |
| Pretax income | 977,000 | 1,868,000 | -1,664,000 | 760,000 |
| Income tax | 407,000 | 778,000 | -615,000 | 299,000 |
| Net income | 570,000 | 1,090,000 | -1,049,000 | 461,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,168,000 | 13,689,000 | 11,549,000 | 17,287,000 |
| Total capital | 16,808,000 | 17,387,000 | 15,296,000 | 19,039,000 |
| Risk-weighted assets | 130,676,000 | 135,308,000 | 139,225,000 | 139,540,000 |