Call reports 2009
METRO CITY BANK — 2009
What METRO CITY 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 | 301,461,000 | 295,175,000 | 311,976,000 | 324,270,000 |
| Total loans | 268,227,000 | 262,876,000 | 272,143,000 | 290,490,000 |
| Allowance for loan losses | 3,778,000 | 4,057,000 | 4,467,000 | 5,100,000 |
| Securities available for sale | 11,076,000 | 4,357,000 | 7,555,000 | 17,190,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 231,357,000 | 233,687,000 | 244,847,000 | 252,061,000 |
| Interest-bearing deposits | 208,221,000 | 210,413,000 | 220,665,000 | 228,311,000 |
| Noninterest-bearing deposits | 23,136,000 | 23,274,000 | 24,182,000 | 23,750,000 |
| Equity capital | 42,024,000 | 42,269,000 | 43,012,000 | 43,713,000 |
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 | 4,085,000 | 8,226,000 | 12,409,000 | 16,722,000 |
| Interest expense | 1,823,000 | 3,642,000 | 5,312,000 | 6,765,000 |
| Net interest income | 2,262,000 | 4,584,000 | 7,097,000 | 9,957,000 |
| Noninterest income | 377,000 | 1,039,000 | 1,611,000 | 2,599,000 |
| Noninterest expense | 1,724,000 | 3,519,000 | 5,160,000 | 6,881,000 |
| Provision for loan losses | 430,000 | 840,000 | 1,386,000 | 2,697,000 |
| Pretax income | 733,000 | 1,708,000 | 2,606,000 | 3,410,000 |
| Income tax | 311,000 | 698,000 | 1,060,000 | 1,224,000 |
| Net income | 422,000 | 1,010,000 | 1,546,000 | 2,186,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,776,000 | 42,252,000 | 42,941,000 | 43,521,000 |
| Total capital | 45,354,000 | 45,816,000 | 46,595,000 | 47,358,000 |
| Risk-weighted assets | 285,311,000 | 284,633,000 | 291,502,000 | 305,666,000 |