Call reports 2011
METRO UNITED BANK — 2011
What METRO UNITED BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 412,985,000 | 396,575,000 | 388,986,000 | 394,972,000 |
| Total loans | 305,396,000 | 300,352,000 | 299,037,000 | 300,852,000 |
| Allowance for loan losses | 8,068,000 | 7,717,000 | 7,154,000 | 7,279,000 |
| Securities available for sale | 0 | 0 | 0 | 2,001,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 320,215,000 | 323,055,000 | 315,577,000 | 333,547,000 |
| Interest-bearing deposits | 293,369,000 | 293,176,000 | 289,734,000 | 305,561,000 |
| Noninterest-bearing deposits | 26,846,000 | 29,879,000 | 25,843,000 | 27,986,000 |
| Equity capital | 62,138,000 | 62,629,000 | 62,750,000 | 60,408,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 4,382,000 | 8,485,000 | 12,567,000 | 16,568,000 |
| Interest expense | 843,000 | 1,638,000 | 2,395,000 | 3,119,000 |
| Net interest income | 3,539,000 | 6,847,000 | 10,172,000 | 13,449,000 |
| Noninterest income | 77,000 | 232,000 | 287,000 | 1,032,000 |
| Noninterest expense | 2,718,000 | 5,334,000 | 8,184,000 | 13,897,000 |
| Provision for loan losses | 30,000 | 75,000 | 400,000 | 575,000 |
| Pretax income | 868,000 | 1,670,000 | 1,875,000 | 9,000 |
| Income tax | 381,000 | 692,000 | 776,000 | 1,253,000 |
| Net income | 487,000 | 978,000 | 1,099,000 | -1,244,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,058,000 | 43,967,000 | 43,909,000 | 45,034,000 |
| Total capital | 46,926,000 | 47,737,000 | 47,642,000 | 48,782,000 |
| Risk-weighted assets | 305,204,000 | 297,644,000 | 295,136,000 | 296,285,000 |