Call reports 2010
METROPOLITAN BANK AND TRUST COMPANY — 2010
What METROPOLITAN BANK AND TRUST COMPANY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 331,616,000 | 321,673,000 | 322,790,000 | 306,642,000 |
| Total loans | 266,135,000 | 258,482,000 | 252,474,000 | 247,277,000 |
| Allowance for loan losses | 6,761,000 | 5,194,000 | 6,299,000 | 6,313,000 |
| Securities available for sale | 5,566,000 | 5,391,000 | 2,985,000 | 6,734,000 |
| Securities held to maturity | 18,386,000 | 28,075,000 | 28,791,000 | 28,554,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 292,525,000 | 290,230,000 | 290,064,000 | 274,006,000 |
| Interest-bearing deposits | 245,290,000 | 243,904,000 | 242,950,000 | 230,176,000 |
| Noninterest-bearing deposits | 47,235,000 | 46,326,000 | 47,114,000 | 43,830,000 |
| Equity capital | 28,140,000 | 27,791,000 | 27,442,000 | 28,890,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 4,609,000 | 9,188,000 | 13,507,000 | 17,705,000 |
| Interest expense | 876,000 | 1,629,000 | 2,287,000 | 2,816,000 |
| Net interest income | 3,733,000 | 7,559,000 | 11,220,000 | 14,889,000 |
| Noninterest income | 315,000 | 259,000 | 732,000 | 1,073,000 |
| Noninterest expense | 2,217,000 | 4,527,000 | 6,867,000 | 9,331,000 |
| Provision for loan losses | 5,590,000 | 7,390,000 | 9,930,000 | 13,753,000 |
| Pretax income | -3,754,000 | -4,094,000 | -4,849,000 | -6,967,000 |
| Income tax | -1,311,000 | -1,405,000 | -1,719,000 | -2,499,000 |
| Net income | -2,443,000 | -2,689,000 | -3,130,000 | -4,468,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,997,000 | 27,715,000 | 27,311,000 | 28,974,000 |
| Total capital | 31,549,000 | 30,733,000 | 30,453,000 | 31,900,000 |
| Risk-weighted assets | 272,338,000 | 249,398,000 | 240,268,000 | 228,822,000 |