Call reports 2005
METROPOLITAN COMMERCIAL BANK — 2005
What METROPOLITAN COMMERCIAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 309,071,000 | 327,804,000 | 357,953,000 | 380,595,000 |
| Total loans | 257,919,000 | 267,612,000 | 296,383,000 | 313,933,000 |
| Allowance for loan losses | 1,976,000 | 2,227,000 | 2,499,000 | 2,770,000 |
| Securities available for sale | 12,036,000 | 16,037,000 | 18,442,000 | 22,488,000 |
| Securities held to maturity | 30,000 | 30,000 | 31,000 | 31,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 268,761,000 | 283,386,000 | 312,481,000 | 325,520,000 |
| Interest-bearing deposits | 255,135,000 | 268,932,000 | 299,733,000 | 307,280,000 |
| Noninterest-bearing deposits | 13,627,000 | 14,453,000 | 12,747,000 | 18,240,000 |
| Equity capital | 37,383,000 | 41,333,000 | 42,363,000 | 51,333,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 4,915,000 | 10,328,000 | 16,314,000 | 22,979,000 |
| Interest expense | 1,953,000 | 4,192,000 | 6,675,000 | 9,671,000 |
| Net interest income | 2,962,000 | 6,136,000 | 9,639,000 | 13,308,000 |
| Noninterest income | 2,975,000 | 6,118,000 | 9,434,000 | 12,539,000 |
| Noninterest expense | 4,476,000 | 9,183,000 | 14,018,000 | 19,314,000 |
| Provision for loan losses | 238,000 | 486,000 | 758,000 | 1,029,000 |
| Pretax income | 1,223,000 | 2,585,000 | 4,297,000 | 5,504,000 |
| Income tax | 516,000 | 1,033,000 | 1,715,000 | 2,087,000 |
| Net income | 707,000 | 1,552,000 | 2,582,000 | 3,417,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,347,000 | 30,302,000 | 31,336,000 | 40,311,000 |
| Total capital | 28,407,000 | 32,665,000 | 33,999,000 | 43,274,000 |
| Risk-weighted assets | 277,252,000 | 307,445,000 | 336,372,000 | 361,898,000 |