Call reports 2007
METROPOLITAN BANK AND TRUST COMPANY — 2007
What METROPOLITAN BANK AND TRUST COMPANY 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 | 329,733,000 | 313,155,000 | 316,625,000 | 328,030,000 |
| Total loans | 266,443,000 | 268,941,000 | 276,262,000 | 288,007,000 |
| Allowance for loan losses | 3,169,000 | 3,127,000 | 3,087,000 | 3,063,000 |
| Securities available for sale | 258,000 | 254,000 | 256,000 | 260,000 |
| Securities held to maturity | 24,697,000 | 23,970,000 | 23,166,000 | 21,130,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 279,610,000 | 261,707,000 | 264,852,000 | 264,424,000 |
| Interest-bearing deposits | 217,245,000 | 216,609,000 | 220,916,000 | 225,591,000 |
| Noninterest-bearing deposits | 62,365,000 | 45,098,000 | 43,936,000 | 38,834,000 |
| Equity capital | 27,507,000 | 28,793,000 | 27,075,000 | 28,487,000 |
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 | 6,043,000 | 12,257,000 | 18,445,000 | 24,655,000 |
| Interest expense | 2,244,000 | 4,557,000 | 6,793,000 | 9,119,000 |
| Net interest income | 3,799,000 | 7,700,000 | 11,652,000 | 15,536,000 |
| Noninterest income | 573,000 | 1,149,000 | 1,717,000 | 2,309,000 |
| Noninterest expense | 2,327,000 | 4,774,000 | 7,254,000 | 9,477,000 |
| Provision for loan losses | 121,000 | 120,000 | 120,000 | 120,000 |
| Pretax income | 1,932,000 | 3,984,000 | 6,036,000 | 8,290,000 |
| Income tax | 714,000 | 1,474,000 | 2,245,000 | 3,089,000 |
| Net income | 1,218,000 | 2,510,000 | 3,791,000 | 5,201,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,499,000 | 28,793,000 | 27,075,000 | 28,487,000 |
| Total capital | 30,668,000 | 31,452,000 | 30,162,000 | 31,550,000 |
| Risk-weighted assets | 274,083,000 | 227,812,000 | 276,885,000 | 288,403,000 |