Call reports 2009
METROPOLITAN BANK AND TRUST COMPANY — 2009
What METROPOLITAN BANK AND TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 347,707,000 | 352,118,000 | 348,122,000 | 334,642,000 |
| Total loans | 290,007,000 | 287,955,000 | 281,771,000 | 272,515,000 |
| Allowance for loan losses | 3,026,000 | 4,714,000 | 5,478,000 | 3,952,000 |
| Securities available for sale | 3,463,000 | 4,660,000 | 5,024,000 | 5,336,000 |
| Securities held to maturity | 33,920,000 | 39,429,000 | 28,888,000 | 23,373,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 301,590,000 | 306,087,000 | 297,998,000 | 279,843,000 |
| Interest-bearing deposits | 261,920,000 | 258,330,000 | 248,505,000 | 234,726,000 |
| Noninterest-bearing deposits | 39,670,000 | 47,756,000 | 49,492,000 | 45,116,000 |
| Equity capital | 29,582,000 | 29,417,000 | 29,694,000 | 30,444,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 5,638,000 | 10,629,000 | 15,794,000 | 20,727,000 |
| Interest expense | 1,707,000 | 3,217,000 | 4,557,000 | 5,623,000 |
| Net interest income | 3,931,000 | 7,412,000 | 11,237,000 | 15,104,000 |
| Noninterest income | 374,000 | 701,000 | 1,130,000 | 1,455,000 |
| Noninterest expense | 2,240,000 | 4,193,000 | 6,541,000 | 8,826,000 |
| Provision for loan losses | 710,000 | 4,132,000 | 6,082,000 | 11,241,000 |
| Pretax income | 1,358,000 | -206,000 | -213,000 | -3,459,000 |
| Income tax | 457,000 | -223,000 | -288,000 | -1,435,000 |
| Net income | 901,000 | 17,000 | 75,000 | -2,024,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,581,000 | 29,418,000 | 29,693,000 | 30,440,000 |
| Total capital | 32,607,000 | 33,090,000 | 33,340,000 | 33,942,000 |
| Risk-weighted assets | 268,958,000 | 292,743,000 | 289,982,000 | 279,570,000 |