Call reports 2012
METRO CITY BANK — 2012
What METRO CITY 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 | 495,202,000 | 466,724,000 | 455,806,000 | 464,388,000 |
| Total loans | 341,520,000 | 375,704,000 | 358,183,000 | 359,100,000 |
| Allowance for loan losses | 5,712,000 | 6,634,000 | 6,538,000 | 6,462,000 |
| Securities available for sale | 60,057,000 | 59,330,000 | 74,428,000 | 73,119,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 406,372,000 | 369,416,000 | 360,691,000 | 371,418,000 |
| Interest-bearing deposits | 340,833,000 | 301,542,000 | 291,715,000 | 296,471,000 |
| Noninterest-bearing deposits | 65,539,000 | 67,874,000 | 68,976,000 | 74,947,000 |
| Equity capital | 54,027,000 | 56,929,000 | 60,009,000 | 55,251,000 |
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 | 4,661,000 | 10,578,000 | 16,622,000 | 22,406,000 |
| Interest expense | 1,027,000 | 2,037,000 | 2,915,000 | 3,710,000 |
| Net interest income | 3,634,000 | 8,541,000 | 13,707,000 | 18,696,000 |
| Noninterest income | 2,916,000 | 6,041,000 | 10,626,000 | 12,220,000 |
| Noninterest expense | 2,602,000 | 5,679,000 | 10,443,000 | 13,660,000 |
| Provision for loan losses | 608,000 | 1,746,000 | 1,946,000 | 1,946,000 |
| Pretax income | 3,340,000 | 7,198,000 | 12,256,000 | 15,622,000 |
| Income tax | 1,267,000 | 2,734,000 | 4,656,000 | 5,953,000 |
| Net income | 2,073,000 | 4,464,000 | 7,600,000 | 9,669,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,149,000 | 55,430,000 | 58,415,000 | 53,728,000 |
| Total capital | 57,517,000 | 60,108,000 | 62,974,000 | 58,429,000 |
| Risk-weighted assets | 348,096,000 | 372,257,000 | 362,744,000 | 374,312,000 |