Call reports 2009
METRO UNITED BANK — 2009
What METRO UNITED BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 429,279,000 | 426,801,000 | 455,713,000 | 476,306,000 |
| Total loans | 370,383,000 | 364,536,000 | 362,322,000 | 358,514,000 |
| Allowance for loan losses | 5,840,000 | 6,069,000 | 6,272,000 | 6,472,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 357,416,000 | 356,281,000 | 387,721,000 | 412,633,000 |
| Interest-bearing deposits | 336,836,000 | 332,902,000 | 361,976,000 | 386,710,000 |
| Noninterest-bearing deposits | 20,580,000 | 23,379,000 | 25,745,000 | 25,923,000 |
| Equity capital | 67,214,000 | 67,182,000 | 67,409,000 | 63,488,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 5,571,000 | 11,162,000 | 16,781,000 | 22,230,000 |
| Interest expense | 2,390,000 | 4,676,000 | 6,593,000 | 8,488,000 |
| Net interest income | 3,181,000 | 6,486,000 | 10,188,000 | 13,742,000 |
| Noninterest income | 81,000 | 155,000 | 315,000 | 419,000 |
| Noninterest expense | 2,322,000 | 5,247,000 | 7,851,000 | 13,945,000 |
| Provision for loan losses | 2,099,000 | 2,587,000 | 3,572,000 | 6,075,000 |
| Pretax income | -1,159,000 | -1,193,000 | -920,000 | -5,859,000 |
| Income tax | -456,000 | -458,000 | -412,000 | -1,430,000 |
| Net income | -703,000 | -735,000 | -508,000 | -4,429,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,926,000 | 44,938,000 | 45,209,000 | 40,238,000 |
| Total capital | 49,777,000 | 49,760,000 | 50,030,000 | 44,999,000 |
| Risk-weighted assets | 387,029,000 | 384,393,000 | 384,158,000 | 379,158,000 |