Call reports 2012
METRO UNITED BANK — 2012
What METRO UNITED BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 395,981,000 | 393,163,000 | 396,019,000 | 414,523,000 |
| Total loans | 301,131,000 | 313,327,000 | 318,763,000 | 335,192,000 |
| Allowance for loan losses | 7,158,000 | 7,280,000 | 7,354,000 | 7,146,000 |
| Securities available for sale | 3,990,000 | 3,007,000 | 2,005,000 | 1,002,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 333,997,000 | 330,553,000 | 325,646,000 | 350,671,000 |
| Interest-bearing deposits | 306,469,000 | 300,125,000 | 292,389,000 | 314,879,000 |
| Noninterest-bearing deposits | 27,528,000 | 30,428,000 | 33,257,000 | 35,792,000 |
| Equity capital | 60,986,000 | 61,505,000 | 61,945,000 | 63,024,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,980,000 | 8,008,000 | 12,104,000 | 16,148,000 |
| Interest expense | 668,000 | 1,245,000 | 1,793,000 | 2,306,000 |
| Net interest income | 3,312,000 | 6,763,000 | 10,311,000 | 13,842,000 |
| Noninterest income | 83,000 | 494,000 | 551,000 | 667,000 |
| Noninterest expense | 2,391,000 | 5,491,000 | 8,334,000 | 10,969,000 |
| Provision for loan losses | 0 | 0 | 0 | -690,000 |
| Pretax income | 1,004,000 | 1,766,000 | 2,528,000 | 4,230,000 |
| Income tax | 422,000 | 674,000 | 995,000 | 1,616,000 |
| Net income | 582,000 | 1,092,000 | 1,533,000 | 2,614,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,065,000 | 46,689,000 | 47,093,000 | 48,636,000 |
| Total capital | 49,815,000 | 50,585,000 | 51,005,000 | 52,708,000 |
| Risk-weighted assets | 296,557,000 | 308,214,000 | 309,397,000 | 322,668,000 |