Call reports 2008
METROPOLITAN BANK AND TRUST COMPANY — 2008
What METROPOLITAN BANK AND TRUST COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 327,678,000 | 336,275,000 | 321,995,000 | 344,886,000 |
| Total loans | 292,152,000 | 292,966,000 | 280,775,000 | 288,093,000 |
| Allowance for loan losses | 3,060,000 | 3,144,000 | 3,031,000 | 2,921,000 |
| Securities available for sale | 2,852,000 | 5,064,000 | 4,772,000 | 4,203,000 |
| Securities held to maturity | 13,146,000 | 18,658,000 | 18,310,000 | 32,960,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 274,269,000 | 284,408,000 | 276,976,000 | 282,702,000 |
| Interest-bearing deposits | 231,888,000 | 242,893,000 | 231,974,000 | 243,809,000 |
| Noninterest-bearing deposits | 42,381,000 | 41,515,000 | 45,002,000 | 38,893,000 |
| Equity capital | 27,273,000 | 28,276,000 | 29,260,000 | 29,123,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 6,238,000 | 12,301,000 | 17,895,000 | 23,472,000 |
| Interest expense | 2,225,000 | 4,287,000 | 6,184,000 | 7,911,000 |
| Net interest income | 4,013,000 | 8,014,000 | 11,711,000 | 15,561,000 |
| Noninterest income | 519,000 | 1,056,000 | 1,586,000 | 2,036,000 |
| Noninterest expense | 2,642,000 | 5,239,000 | 7,403,000 | 10,067,000 |
| Provision for loan losses | 5,000 | 80,000 | 222,000 | 1,647,000 |
| Pretax income | 1,900,000 | 3,767,000 | 5,622,000 | 5,850,000 |
| Income tax | 722,000 | 1,411,000 | 2,110,000 | 2,132,000 |
| Net income | 1,178,000 | 2,356,000 | 3,512,000 | 3,718,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,255,000 | 28,442,000 | 29,260,000 | 29,127,000 |
| Total capital | 30,315,000 | 31,127,000 | 32,291,000 | 32,048,000 |
| Risk-weighted assets | 268,479,000 | 296,433,000 | 263,177,000 | 295,427,000 |