Call reports 2009
METROPOLITAN COMMERCIAL BANK — 2009
What METROPOLITAN COMMERCIAL BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 562,414,000 | 588,712,000 | 593,285,000 | 587,396,000 |
| Total loans | 494,436,000 | 499,548,000 | 490,970,000 | 503,470,000 |
| Allowance for loan losses | 8,414,000 | 8,487,000 | 7,100,000 | 9,185,000 |
| Securities available for sale | 707,000 | 14,626,000 | 19,149,000 | 11,181,000 |
| Securities held to maturity | 39,000 | 39,000 | 40,000 | 50,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 427,228,000 | 454,710,000 | 458,889,000 | 452,142,000 |
| Interest-bearing deposits | 400,475,000 | 419,787,000 | 433,800,000 | 422,427,000 |
| Noninterest-bearing deposits | 26,753,000 | 34,923,000 | 25,089,000 | 29,715,000 |
| Equity capital | 63,659,000 | 64,929,000 | 65,398,000 | 66,292,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 8,423,000 | 16,874,000 | 25,384,000 | 33,978,000 |
| Interest expense | 3,669,000 | 6,883,000 | 9,854,000 | 12,750,000 |
| Net interest income | 4,754,000 | 9,991,000 | 15,530,000 | 21,228,000 |
| Noninterest income | 2,214,000 | 4,917,000 | 6,856,000 | 8,922,000 |
| Noninterest expense | 6,588,000 | 12,942,000 | 19,295,000 | 25,523,000 |
| Provision for loan losses | 3,462,000 | 3,535,000 | 3,901,000 | 6,188,000 |
| Pretax income | -3,082,000 | -1,569,000 | -810,000 | -1,561,000 |
| Income tax | -1,391,000 | -674,000 | -315,000 | -639,000 |
| Net income | -1,691,000 | -895,000 | -495,000 | -922,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,693,000 | 53,968,000 | 54,401,000 | 55,358,000 |
| Total capital | 58,540,000 | 59,873,000 | 60,088,000 | 61,191,000 |
| Risk-weighted assets | 465,039,000 | 469,732,000 | 453,436,000 | 463,194,000 |