Call reports 2006
METRO UNITED BANK — 2006
What METRO UNITED BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 212,187,000 | 207,974,000 | 249,577,000 | 257,160,000 |
| Total loans | 141,573,000 | 149,856,000 | 159,293,000 | 184,066,000 |
| Allowance for loan losses | 2,423,000 | 2,479,000 | 2,488,000 | 2,530,000 |
| Securities available for sale | 5,381,000 | 5,267,000 | 5,373,000 | 5,382,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 170,496,000 | 165,727,000 | 206,355,000 | 213,190,000 |
| Interest-bearing deposits | 160,558,000 | 158,052,000 | 196,280,000 | 203,017,000 |
| Noninterest-bearing deposits | 9,938,000 | 7,675,000 | 10,075,000 | 10,173,000 |
| Equity capital | 40,650,000 | 41,083,000 | 41,416,000 | 41,618,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,371,000 | 7,091,000 | 11,068,000 | 15,657,000 |
| Interest expense | 1,508,000 | 3,110,000 | 5,093,000 | 7,504,000 |
| Net interest income | 1,863,000 | 3,981,000 | 5,975,000 | 8,153,000 |
| Noninterest income | 45,000 | 89,000 | 316,000 | 424,000 |
| Noninterest expense | 1,123,000 | 2,395,000 | 4,110,000 | 5,902,000 |
| Provision for loan losses | 46,000 | 102,000 | 111,000 | 153,000 |
| Pretax income | 739,000 | 1,573,000 | 2,070,000 | 2,522,000 |
| Income tax | 246,000 | 579,000 | 806,000 | 1,061,000 |
| Net income | 493,000 | 994,000 | 1,264,000 | 1,461,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,890,000 | 18,421,000 | 18,426,000 | 18,757,000 |
| Total capital | 19,720,000 | 20,313,000 | 20,593,000 | 21,192,000 |
| Risk-weighted assets | 145,839,000 | 150,731,000 | 172,990,000 | 194,636,000 |