Call reports 2013
METROPOLITAN COMMERCIAL BANK — 2013
What METROPOLITAN COMMERCIAL BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 591,139,000 | 588,265,000 | 624,599,000 | 635,192,000 |
| Total loans | 435,742,000 | 441,924,000 | 464,739,000 | 501,943,000 |
| Allowance for loan losses | 8,406,000 | 8,177,000 | 7,002,000 | 7,513,000 |
| Securities available for sale | 64,831,000 | 70,836,000 | 73,414,000 | 70,286,000 |
| Securities held to maturity | 104,000 | 104,000 | 104,000 | 105,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 445,323,000 | 448,396,000 | 493,412,000 | 498,938,000 |
| Interest-bearing deposits | 387,544,000 | 386,737,000 | 408,274,000 | 402,389,000 |
| Noninterest-bearing deposits | 57,779,000 | 61,659,000 | 85,138,000 | 96,549,000 |
| Equity capital | 76,901,000 | 76,204,000 | 76,765,000 | 76,472,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 6,070,000 | 11,892,000 | 17,784,000 | 23,965,000 |
| Interest expense | 1,192,000 | 2,413,000 | 3,597,000 | 4,735,000 |
| Net interest income | 4,878,000 | 9,479,000 | 14,187,000 | 19,230,000 |
| Noninterest income | 1,833,000 | 3,421,000 | 4,969,000 | 6,600,000 |
| Noninterest expense | 6,109,000 | 12,200,000 | 18,567,000 | 24,571,000 |
| Provision for loan losses | 190,000 | 90,000 | -810,000 | -317,000 |
| Pretax income | 412,000 | 610,000 | 1,399,000 | 1,576,000 |
| Income tax | 199,000 | 309,000 | 691,000 | 840,000 |
| Net income | 213,000 | 301,000 | 708,000 | 736,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 65,390,000 | 65,503,000 | 65,940,000 | 65,998,000 |
| Total capital | 70,730,000 | 70,936,000 | 71,665,000 | 72,138,000 |
| Risk-weighted assets | 424,061,000 | 431,858,000 | 456,685,000 | 489,739,000 |