Call reports 2019
METRO CITY BANK — 2019
What METRO CITY BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 1,488,463,000 | 1,527,862,000 | 1,647,688,000 | 1,636,039,000 |
| Total loans | 1,282,103,000 | 1,262,656,000 | 1,263,433,000 | 1,251,503,000 |
| Allowance for loan losses | 6,526,000 | 6,483,000 | 6,850,000 | 6,839,000 |
| Securities available for sale | 18,712,000 | 17,846,000 | 15,913,000 | 15,695,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,298,840,000 | 1,314,789,000 | 1,359,363,000 | 1,340,347,000 |
| Interest-bearing deposits | 983,751,000 | 986,844,000 | 1,024,154,000 | 1,030,981,000 |
| Noninterest-bearing deposits | 315,089,000 | 327,945,000 | 335,209,000 | 309,366,000 |
| Equity capital | 171,744,000 | 182,338,000 | 192,459,000 | 200,886,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 19,862,000 | 40,680,000 | 62,588,000 | 83,213,000 |
| Interest expense | 5,062,000 | 10,631,000 | 16,560,000 | 22,286,000 |
| Net interest income | 14,800,000 | 30,049,000 | 46,028,000 | 60,927,000 |
| Noninterest income | 7,444,000 | 19,550,000 | 30,559,000 | 39,928,000 |
| Noninterest expense | 10,051,000 | 19,966,000 | 30,120,000 | 39,860,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 12,193,000 | 29,633,000 | 46,467,000 | 60,995,000 |
| Income tax | 3,442,000 | 7,894,000 | 12,356,000 | 16,177,000 |
| Net income | 8,751,000 | 21,739,000 | 34,111,000 | 44,818,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 163,272,000 | 173,667,000 | 183,892,000 | 192,700,000 |
| Total capital | 169,798,000 | 180,150,000 | 190,742,000 | 199,539,000 |
| Risk-weighted assets | 948,505,000 | 975,117,000 | 986,279,000 | 978,142,000 |