Call reports 2007
METRO UNITED BANK — 2007
What METRO UNITED BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 285,636,000 | 335,543,000 | 348,834,000 | 376,175,000 |
| Total loans | 248,459,000 | 290,771,000 | 308,128,000 | 335,262,000 |
| Allowance for loan losses | 2,667,000 | 3,116,000 | 3,524,000 | 3,352,000 |
| Securities available for sale | 5,409,000 | 5,388,000 | 5,441,000 | 5,490,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 236,932,000 | 272,053,000 | 294,939,000 | 286,844,000 |
| Interest-bearing deposits | 227,080,000 | 258,528,000 | 279,917,000 | 268,066,000 |
| Noninterest-bearing deposits | 9,852,000 | 13,525,000 | 15,022,000 | 18,778,000 |
| Equity capital | 46,785,000 | 51,875,000 | 52,111,000 | 52,582,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,997,000 | 11,086,000 | 17,754,000 | 24,794,000 |
| Interest expense | 2,571,000 | 5,727,000 | 9,180,000 | 12,629,000 |
| Net interest income | 2,426,000 | 5,359,000 | 8,574,000 | 12,165,000 |
| Noninterest income | 79,000 | 228,000 | 382,000 | 343,000 |
| Noninterest expense | 2,093,000 | 4,502,000 | 7,085,000 | 9,781,000 |
| Provision for loan losses | 137,000 | 586,000 | 994,000 | 1,432,000 |
| Pretax income | 275,000 | 499,000 | 877,000 | 1,295,000 |
| Income tax | 124,000 | 245,000 | 419,000 | 395,000 |
| Net income | 151,000 | 254,000 | 458,000 | 900,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,994,000 | 29,185,000 | 29,476,000 | 30,005,000 |
| Total capital | 26,756,000 | 32,423,000 | 33,123,000 | 33,492,000 |
| Risk-weighted assets | 253,223,000 | 312,388,000 | 327,126,000 | 355,886,000 |