Call reports 2015
METROPOLITAN CAPITAL BANK & TRUST — 2015
What METROPOLITAN CAPITAL BANK & TRUST 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 | 192,791,000 | 204,576,000 | 202,750,000 | 222,706,000 |
| Total loans | 162,419,000 | 170,164,000 | 167,228,000 | 167,318,000 |
| Allowance for loan losses | 2,467,000 | 2,556,000 | 2,556,000 | 2,510,000 |
| Securities available for sale | 17,090,000 | 16,000,000 | 15,557,000 | 13,225,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 169,191,000 | 177,328,000 | 176,914,000 | 197,231,000 |
| Interest-bearing deposits | 133,946,000 | 134,036,000 | 143,828,000 | 156,486,000 |
| Noninterest-bearing deposits | 35,245,000 | 43,293,000 | 33,085,000 | 40,745,000 |
| Equity capital | 17,036,000 | 17,262,000 | 18,990,000 | 19,148,000 |
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 | 3,174,000 | 6,645,000 | 10,182,000 | 13,459,000 |
| Interest expense | 538,000 | 1,086,000 | 1,700,000 | 2,348,000 |
| Net interest income | 2,636,000 | 5,559,000 | 8,482,000 | 11,111,000 |
| Noninterest income | 572,000 | 630,000 | 708,000 | 789,000 |
| Noninterest expense | 2,300,000 | 4,689,000 | 6,999,000 | 9,184,000 |
| Provision for loan losses | 61,000 | 150,000 | 150,000 | 284,000 |
| Pretax income | 847,000 | 1,350,000 | 2,041,000 | 2,432,000 |
| Income tax | 325,000 | 544,000 | 852,000 | 1,016,000 |
| Net income | 522,000 | 806,000 | 1,189,000 | 1,416,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,091,000 | 17,375,000 | 19,008,000 | 19,234,000 |
| Total capital | 19,369,000 | 19,719,000 | 21,324,000 | 21,573,000 |
| Risk-weighted assets | 182,007,000 | 187,312,000 | 185,033,000 | 186,964,000 |
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