Call reports 2013
METRO UNITED BANK — 2013
What METRO UNITED BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 440,419,000 | 456,824,000 | 488,849,000 | 486,370,000 |
| Total loans | 341,023,000 | 356,057,000 | 368,282,000 | 373,708,000 |
| Allowance for loan losses | 6,757,000 | 6,682,000 | 6,827,000 | 6,059,000 |
| Securities available for sale | 6,506,000 | 16,198,000 | 26,644,000 | 26,146,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 370,576,000 | 381,044,000 | 411,751,000 | 407,093,000 |
| Interest-bearing deposits | 333,635,000 | 344,923,000 | 372,310,000 | 367,617,000 |
| Noninterest-bearing deposits | 36,941,000 | 36,121,000 | 39,441,000 | 39,476,000 |
| Equity capital | 63,767,000 | 64,227,000 | 65,349,000 | 67,222,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 4,169,000 | 8,328,000 | 12,988,000 | 17,891,000 |
| Interest expense | 574,000 | 1,214,000 | 1,910,000 | 2,570,000 |
| Net interest income | 3,595,000 | 7,114,000 | 11,078,000 | 15,321,000 |
| Noninterest income | 139,000 | 332,000 | 572,000 | 803,000 |
| Noninterest expense | 2,447,000 | 5,091,000 | 7,760,000 | 10,657,000 |
| Provision for loan losses | 0 | -25,000 | 120,000 | -1,430,000 |
| Pretax income | 1,287,000 | 2,383,000 | 3,770,000 | 6,897,000 |
| Income tax | 548,000 | 1,009,000 | 1,358,000 | 2,535,000 |
| Net income | 739,000 | 1,374,000 | 2,412,000 | 4,362,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,782,000 | 49,882,000 | 51,075,000 | 53,057,000 |
| Total capital | 52,926,000 | 54,222,000 | 55,535,000 | 57,554,000 |
| Risk-weighted assets | 328,855,000 | 344,774,000 | 354,390,000 | 358,139,000 |