Call reports 2012
METROPOLITAN COMMERCIAL BANK — 2012
What METROPOLITAN COMMERCIAL BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 587,874,000 | 579,654,000 | 561,822,000 | 566,068,000 |
| Total loans | 404,654,000 | 388,070,000 | 397,010,000 | 421,089,000 |
| Allowance for loan losses | 7,733,000 | 7,758,000 | 8,558,000 | 8,558,000 |
| Securities available for sale | 88,940,000 | 103,678,000 | 82,474,000 | 69,814,000 |
| Securities held to maturity | 103,000 | 103,000 | 103,000 | 103,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 457,867,000 | 448,893,000 | 432,852,000 | 438,056,000 |
| Interest-bearing deposits | 405,387,000 | 399,898,000 | 372,428,000 | 371,179,000 |
| Noninterest-bearing deposits | 52,480,000 | 48,995,000 | 60,424,000 | 66,877,000 |
| Equity capital | 76,633,000 | 77,330,000 | 75,528,000 | 75,543,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 6,775,000 | 13,104,000 | 19,213,000 | 25,148,000 |
| Interest expense | 1,445,000 | 2,800,000 | 4,095,000 | 5,314,000 |
| Net interest income | 5,330,000 | 10,304,000 | 15,118,000 | 19,834,000 |
| Noninterest income | 2,153,000 | 4,020,000 | 5,631,000 | 7,503,000 |
| Noninterest expense | 5,974,000 | 11,939,000 | 18,111,000 | 24,307,000 |
| Provision for loan losses | 200,000 | 200,000 | 1,000,000 | 1,000,000 |
| Pretax income | 1,309,000 | 2,185,000 | 1,638,000 | 2,030,000 |
| Income tax | 605,000 | 1,010,000 | 787,000 | 970,000 |
| Net income | 704,000 | 1,175,000 | 851,000 | 1,060,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 65,320,000 | 65,814,000 | 63,778,000 | 63,953,000 |
| Total capital | 70,382,000 | 70,744,000 | 68,683,000 | 69,114,000 |
| Risk-weighted assets | 402,234,000 | 391,533,000 | 388,744,000 | 409,444,000 |