Call reports 2004
METROPOLITAN COMMERCIAL BANK — 2004
What METROPOLITAN COMMERCIAL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 247,003,000 | 238,966,000 | 257,485,000 | 288,796,000 |
| Total loans | 186,803,000 | 189,320,000 | 209,311,000 | 241,708,000 |
| Allowance for loan losses | 1,388,000 | 1,556,000 | 1,723,000 | 1,891,000 |
| Securities available for sale | 20,254,000 | 12,690,000 | 6,154,000 | 6,528,000 |
| Securities held to maturity | 15,000 | 21,000 | 22,000 | 22,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 210,043,000 | 201,769,000 | 218,427,000 | 249,930,000 |
| Interest-bearing deposits | 198,872,000 | 191,069,000 | 208,808,000 | 236,249,000 |
| Noninterest-bearing deposits | 11,170,000 | 10,699,000 | 9,619,000 | 13,681,000 |
| Equity capital | 34,084,000 | 34,819,000 | 35,650,000 | 36,525,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,112,000 | 6,346,000 | 9,927,000 | 14,246,000 |
| Interest expense | 1,290,000 | 2,606,000 | 4,026,000 | 5,670,000 |
| Net interest income | 1,822,000 | 3,740,000 | 5,901,000 | 8,576,000 |
| Noninterest income | 2,586,000 | 5,107,000 | 8,075,000 | 10,951,000 |
| Noninterest expense | 3,366,000 | 6,734,000 | 10,377,000 | 14,241,000 |
| Provision for loan losses | 194,000 | 362,000 | 529,000 | 698,000 |
| Pretax income | 848,000 | 1,751,000 | 3,070,000 | 4,588,000 |
| Income tax | 155,000 | 323,000 | 811,000 | 1,454,000 |
| Net income | 693,000 | 1,428,000 | 2,259,000 | 3,134,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,459,000 | 24,198,000 | 25,034,000 | 25,913,000 |
| Total capital | 24,847,000 | 25,754,000 | 26,757,000 | 27,805,000 |
| Risk-weighted assets | 212,598,000 | 218,858,000 | 232,920,000 | 262,681,000 |