Call reports 2007
METROPOLITAN COMMERCIAL BANK — 2007
What METROPOLITAN COMMERCIAL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 452,171,000 | 475,375,000 | 461,439,000 | 457,148,000 |
| Total loans | 364,041,000 | 387,964,000 | 385,066,000 | 396,928,000 |
| Allowance for loan losses | 3,619,000 | 3,708,000 | 3,998,000 | 4,187,000 |
| Securities available for sale | 12,015,000 | 18,030,000 | 32,111,000 | 10,871,000 |
| Securities held to maturity | 1,846,000 | 34,000 | 35,000 | 8,016,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 370,119,000 | 392,518,000 | 380,429,000 | 353,056,000 |
| Interest-bearing deposits | 353,505,000 | 374,954,000 | 362,322,000 | 336,727,000 |
| Noninterest-bearing deposits | 16,614,000 | 17,564,000 | 18,107,000 | 16,329,000 |
| Equity capital | 64,089,000 | 64,134,000 | 64,090,000 | 64,360,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 8,754,000 | 17,309,000 | 26,158,000 | 34,690,000 |
| Interest expense | 4,665,000 | 9,285,000 | 14,175,000 | 18,768,000 |
| Net interest income | 4,089,000 | 8,024,000 | 11,983,000 | 15,922,000 |
| Noninterest income | 4,130,000 | 7,849,000 | 10,961,000 | 13,807,000 |
| Noninterest expense | 6,992,000 | 13,980,000 | 20,990,000 | 27,302,000 |
| Provision for loan losses | 264,000 | 538,000 | 887,000 | 1,022,000 |
| Pretax income | 963,000 | 1,355,000 | 1,067,000 | 1,653,000 |
| Income tax | 443,000 | 627,000 | 496,000 | 772,000 |
| Net income | 520,000 | 728,000 | 571,000 | 881,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,998,000 | 53,197,000 | 53,050,000 | 53,373,000 |
| Total capital | 56,617,000 | 56,905,000 | 57,048,000 | 57,560,000 |
| Risk-weighted assets | 424,203,000 | 452,204,000 | 424,703,000 | 423,466,000 |