Call reports 2010
METRO UNITED BANK — 2010
What METRO UNITED BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 463,268,000 | 461,910,000 | 410,787,000 | 410,523,000 |
| Total loans | 357,043,000 | 347,139,000 | 331,865,000 | 327,618,000 |
| Allowance for loan losses | 10,796,000 | 10,816,000 | 10,639,000 | 9,798,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 403,503,000 | 370,635,000 | 319,337,000 | 317,948,000 |
| Interest-bearing deposits | 379,202,000 | 344,769,000 | 293,588,000 | 286,688,000 |
| Noninterest-bearing deposits | 24,301,000 | 25,866,000 | 25,749,000 | 31,260,000 |
| Equity capital | 59,363,000 | 60,175,000 | 60,912,000 | 61,651,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 5,377,000 | 10,769,000 | 15,734,000 | 20,395,000 |
| Interest expense | 1,582,000 | 2,875,000 | 3,867,000 | 4,725,000 |
| Net interest income | 3,795,000 | 7,894,000 | 11,867,000 | 15,670,000 |
| Noninterest income | 100,000 | 56,000 | 128,000 | 232,000 |
| Noninterest expense | 5,255,000 | 7,877,000 | 10,466,000 | 13,071,000 |
| Provision for loan losses | 4,298,000 | 4,328,000 | 4,728,000 | 4,728,000 |
| Pretax income | -5,658,000 | -4,255,000 | -3,199,000 | -1,897,000 |
| Income tax | -1,533,000 | -942,000 | -623,000 | -60,000 |
| Net income | -4,125,000 | -3,313,000 | -2,576,000 | -1,837,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,687,000 | 39,824,000 | 41,255,000 | 42,031,000 |
| Total capital | 43,373,000 | 44,223,000 | 45,468,000 | 46,141,000 |
| Risk-weighted assets | 368,739,000 | 345,494,000 | 330,580,000 | 323,095,000 |