Call reports 2006
METROPOLITAN COMMERCIAL BANK — 2006
What METROPOLITAN COMMERCIAL BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 408,347,000 | 416,548,000 | 437,016,000 | 458,844,000 |
| Total loans | 317,407,000 | 337,465,000 | 340,667,000 | 379,339,000 |
| Allowance for loan losses | 3,038,000 | 3,312,000 | 3,592,000 | 3,505,000 |
| Securities available for sale | 20,630,000 | 2,180,000 | 9,344,000 | 12,355,000 |
| Securities held to maturity | 4,017,000 | 1,977,000 | 1,945,000 | 1,898,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 352,700,000 | 355,279,000 | 358,913,000 | 376,698,000 |
| Interest-bearing deposits | 338,850,000 | 343,962,000 | 343,397,000 | 356,788,000 |
| Noninterest-bearing deposits | 13,850,000 | 11,317,000 | 15,516,000 | 19,910,000 |
| Equity capital | 51,425,000 | 51,450,000 | 62,188,000 | 63,607,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 7,101,000 | 14,858,000 | 23,301,000 | 31,581,000 |
| Interest expense | 3,412,000 | 7,362,000 | 11,598,000 | 16,029,000 |
| Net interest income | 3,689,000 | 7,496,000 | 11,703,000 | 15,552,000 |
| Noninterest income | 3,227,000 | 6,307,000 | 9,710,000 | 14,875,000 |
| Noninterest expense | 5,906,000 | 11,901,000 | 18,170,000 | 24,346,000 |
| Provision for loan losses | 768,000 | 1,042,000 | 1,322,000 | 1,577,000 |
| Pretax income | 242,000 | 860,000 | 1,921,000 | 4,504,000 |
| Income tax | 82,000 | 362,000 | 842,000 | 2,012,000 |
| Net income | 160,000 | 498,000 | 1,079,000 | 2,492,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,407,000 | 40,458,000 | 51,045,000 | 52,462,000 |
| Total capital | 43,638,000 | 43,989,000 | 54,876,000 | 56,249,000 |
| Risk-weighted assets | 376,737,000 | 388,160,000 | 395,883,000 | 435,401,000 |