Call reports 2006
METROPOLITAN BANK AND TRUST COMPANY — 2006
What METROPOLITAN BANK AND TRUST COMPANY 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 | 268,857,000 | 276,372,000 | 289,421,000 | 305,636,000 |
| Total loans | 228,888,000 | 236,124,000 | 250,108,000 | 265,169,000 |
| Allowance for loan losses | 2,586,000 | 2,694,000 | 2,943,000 | 3,048,000 |
| Securities available for sale | 254,000 | 251,000 | 257,000 | 258,000 |
| Securities held to maturity | 26,382,000 | 25,945,000 | 25,931,000 | 25,382,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 225,986,000 | 229,064,000 | 241,284,000 | 264,853,000 |
| Interest-bearing deposits | 180,807,000 | 182,178,000 | 197,785,000 | 217,459,000 |
| Noninterest-bearing deposits | 45,178,000 | 46,885,000 | 43,499,000 | 47,393,000 |
| Equity capital | 22,780,000 | 24,072,000 | 25,406,000 | 26,770,000 |
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 | 4,965,000 | 10,302,000 | 15,955,000 | 22,043,000 |
| Interest expense | 1,336,000 | 2,820,000 | 4,546,000 | 6,641,000 |
| Net interest income | 3,629,000 | 7,482,000 | 11,409,000 | 15,402,000 |
| Noninterest income | 545,000 | 1,091,000 | 1,656,000 | 2,265,000 |
| Noninterest expense | 2,247,000 | 4,511,000 | 6,799,000 | 9,232,000 |
| Provision for loan losses | 108,000 | 216,000 | 324,000 | 432,000 |
| Pretax income | 1,829,000 | 3,860,000 | 5,956,000 | 8,018,000 |
| Income tax | 619,000 | 1,355,000 | 2,120,000 | 2,818,000 |
| Net income | 1,210,000 | 2,505,000 | 3,836,000 | 5,200,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,770,000 | 24,068,000 | 25,396,000 | 26,760,000 |
| Total capital | 25,356,000 | 26,763,000 | 28,339,000 | 29,808,000 |
| Risk-weighted assets | 235,836,000 | 222,867,000 | 254,390,000 | 268,813,000 |