Call reports 2011
METRO CITY BANK — 2011
What METRO CITY 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 | 383,598,000 | 382,473,000 | 388,994,000 | 388,091,000 |
| Total loans | 313,142,000 | 315,714,000 | 312,657,000 | 310,537,000 |
| Allowance for loan losses | 6,670,000 | 6,934,000 | 5,990,000 | 6,489,000 |
| Securities available for sale | 22,655,000 | 21,139,000 | 18,701,000 | 22,812,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 310,893,000 | 304,483,000 | 303,421,000 | 302,414,000 |
| Interest-bearing deposits | 267,713,000 | 259,420,000 | 259,804,000 | 255,849,000 |
| Noninterest-bearing deposits | 43,180,000 | 45,063,000 | 43,617,000 | 46,565,000 |
| Equity capital | 48,135,000 | 49,525,000 | 51,333,000 | 52,276,000 |
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 | 4,283,000 | 8,610,000 | 13,009,000 | 17,340,000 |
| Interest expense | 1,127,000 | 2,227,000 | 3,323,000 | 4,430,000 |
| Net interest income | 3,156,000 | 6,383,000 | 9,686,000 | 12,910,000 |
| Noninterest income | 1,945,000 | 3,263,000 | 6,132,000 | 9,028,000 |
| Noninterest expense | 2,245,000 | 4,474,000 | 6,938,000 | 10,495,000 |
| Provision for loan losses | 600,000 | 1,050,000 | 2,405,000 | 3,305,000 |
| Pretax income | 2,256,000 | 4,130,000 | 6,503,000 | 8,166,000 |
| Income tax | 855,000 | 1,560,000 | 2,478,000 | 3,149,000 |
| Net income | 1,401,000 | 2,570,000 | 4,025,000 | 5,017,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,212,000 | 49,302,000 | 50,628,000 | 51,467,000 |
| Total capital | 52,208,000 | 53,289,000 | 54,647,000 | 55,512,000 |
| Risk-weighted assets | 316,988,000 | 315,975,000 | 319,559,000 | 321,182,000 |