Call reports 2015
METRO CITY BANK — 2015
What METRO CITY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 607,719,000 | 643,775,000 | 665,496,000 | 672,777,000 |
| Total loans | 497,863,000 | 515,984,000 | 545,232,000 | 569,970,000 |
| Allowance for loan losses | 5,870,000 | 5,878,000 | 5,643,000 | 5,527,000 |
| Securities available for sale | 36,691,000 | 34,862,000 | 33,700,000 | 30,077,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 501,055,000 | 543,920,000 | 561,544,000 | 566,349,000 |
| Interest-bearing deposits | 363,883,000 | 386,192,000 | 411,171,000 | 412,999,000 |
| Noninterest-bearing deposits | 137,172,000 | 157,728,000 | 150,373,000 | 153,350,000 |
| Equity capital | 76,483,000 | 79,976,000 | 83,458,000 | 87,334,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 7,564,000 | 15,450,000 | 24,703,000 | 33,372,000 |
| Interest expense | 777,000 | 1,643,000 | 2,608,000 | 3,603,000 |
| Net interest income | 6,787,000 | 13,807,000 | 22,095,000 | 29,769,000 |
| Noninterest income | 3,300,000 | 7,110,000 | 9,613,000 | 13,360,000 |
| Noninterest expense | 3,721,000 | 7,873,000 | 12,114,000 | 17,072,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 6,367,000 | 13,045,000 | 19,595,000 | 26,058,000 |
| Income tax | 2,421,000 | 4,959,000 | 7,448,000 | 9,412,000 |
| Net income | 3,946,000 | 8,086,000 | 12,147,000 | 16,646,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 75,795,000 | 79,292,000 | 82,775,000 | 86,618,000 |
| Total capital | 81,665,000 | 85,170,000 | 88,418,000 | 92,145,000 |
| Risk-weighted assets | 474,397,000 | 494,393,000 | 505,617,000 | 486,465,000 |