$MCB
Metropolitan Bank Holding Corp.

2023 Q4 Form 10-Q Financial Statement

#000155837023017511 Filed on November 03, 2023

View on sec.gov

Income Statement

Concept 2023 Q4 2023 Q3
Revenue $6.577M
YoY Change 11.32%
Cost Of Revenue
YoY Change
Gross Profit
YoY Change
Gross Profit Margin
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development $1.171M
YoY Change 19.0%
% of Gross Profit
Depreciation & Amortization $828.0K $630.0K
YoY Change -250.82% -75.73%
% of Gross Profit
Operating Expenses $1.171M
YoY Change 19.0%
Operating Profit
YoY Change
Interest Expense $44.34M
YoY Change 558.65%
% of Operating Profit
Other Income/Expense, Net
YoY Change
Pretax Income $19.87M $28.36M
YoY Change 1450.9% -21.12%
Income Tax $5.299M $6.292M
% Of Pretax Income 26.67% 22.19%
Net Earnings $14.49M $22.06M
YoY Change -287.21% -11.59%
Net Earnings / Revenue 335.46%
Basic Earnings Per Share $1.99
Diluted Earnings Per Share $1.28 $1.97
COMMON SHARES
Basic Shares Outstanding 11.06M 11.06M
Diluted Shares Outstanding 11.14M

Balance Sheet

Concept 2023 Q4 2023 Q3
SHORT-TERM ASSETS
Cash & Short-Term Investments
YoY Change
Cash & Equivalents $269.5M $177.4M
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
LONG-TERM ASSETS
Property, Plant & Equipment $35.07M
YoY Change 10.03%
Goodwill $9.700M
YoY Change 0.0%
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets
YoY Change
Total Long-Term Assets
YoY Change
TOTAL ASSETS
Total Short-Term Assets
Total Long-Term Assets
Total Assets $7.068B $6.683B
YoY Change 12.77% 4.07%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable
YoY Change
Accrued Expenses
YoY Change
Deferred Revenue
YoY Change
Short-Term Debt $99.00M $0.00
YoY Change -34.0%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $99.00M
YoY Change -34.0%
LONG-TERM LIABILITIES
Long-Term Debt $28.21M $28.20M
YoY Change -0.49% -40.67%
Other Long-Term Liabilities $93.98M $133.3M
YoY Change -24.58%
Total Long-Term Liabilities $122.2M $161.5M
YoY Change -20.12% 239.77%
TOTAL LIABILITIES
Total Short-Term Liabilities $99.00M
Total Long-Term Liabilities $122.2M $161.5M
Total Liabilities $6.409B $6.048B
YoY Change 12.6% 3.57%
SHAREHOLDERS EQUITY
Retained Earnings $316.0M $301.4M
YoY Change 31.21% 21.27%
Common Stock $111.0K $110.0K
YoY Change 1.83% 0.92%
Preferred Stock
YoY Change
Treasury Stock (at cost)
YoY Change
Treasury Stock Shares
Shareholders Equity $659.0M $634.9M
YoY Change
Total Liabilities & Shareholders Equity $7.068B $6.683B
YoY Change 12.77% 4.07%

Cashflow Statement

Concept 2023 Q4 2023 Q3
OPERATING ACTIVITIES
Net Income $14.49M $22.06M
YoY Change -287.21% -11.59%
Depreciation, Depletion And Amortization $828.0K $630.0K
YoY Change -250.82% -75.73%
Cash From Operating Activities -$30.75M $27.48M
YoY Change -367.53% -48.54%
INVESTING ACTIVITIES
Capital Expenditures $838.0K $3.020M
YoY Change -272.78% -119.17%
Acquisitions
YoY Change
Other Investing Activities -$276.0M -$192.0M
YoY Change 14.82% -12.21%
Cash From Investing Activities -$276.8M -$195.1M
YoY Change 15.4% -16.82%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities 399.7M 143.1M
YoY Change -279.25% -131.67%
NET CHANGE
Cash From Operating Activities -30.75M 27.48M
Cash From Investing Activities -276.8M -195.1M
Cash From Financing Activities 399.7M 143.1M
Net Change In Cash 92.10M -24.42M
YoY Change -120.4% -96.14%
FREE CASH FLOW
Cash From Operating Activities -$30.75M $27.48M
Capital Expenditures $838.0K $3.020M
Free Cash Flow -$31.59M $24.46M
YoY Change -363.69% -64.63%

Facts In Submission

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<p style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-weight:bold;margin:0pt 0pt 12pt 0pt;"><b style="font-weight:bold;text-decoration-line:none;">N</b><b style="font-weight:bold;text-decoration-line:none;">OTE 1 — ORGANIZATION</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:justify;margin:0pt 0pt 12pt 0pt;">Metropolitan Bank Holding Corp., a New York corporation (the “Company”), is a bank holding company whose principal activity is the ownership and management of Metropolitan Commercial Bank (the “Bank”), its wholly-owned subsidiary. The Company’s primary market is the New York metropolitan area. The Company provides a broad range of business, commercial and retail banking products and services to small businesses, middle-market enterprises, public entities and affluent individuals. See the “Glossary of Common Terms and Acronyms” for the definition of certain terms and acronyms used throughout this Form 10-Q.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:justify;margin:0pt 0pt 12pt 0pt;">The Company’s primary lending products are CRE loans (including multi-family loans) and C&amp;I loans. Substantially all loans are secured by specific items of collateral including business assets, consumer assets, and commercial and residential real estate. Commercial loans are expected to be repaid from cash flows from the operations of businesses.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:justify;margin:0pt 0pt 12pt 0pt;">The Company’s primary deposit products are checking, savings, and term deposit accounts, all of which are insured by the FDIC up to the maximum amounts allowed by law. In addition to traditional commercial banking products, the Company offers corporate cash management and retail banking services and, through its Global Payments Group (“global payments business”), provides services to non-bank financial service companies, including serving as an issuing bank for third-party debit card programs, as well as providing other financial infrastructure, including cash settlement and custodian deposit services. The Company and the Bank are subject to the regulations of certain state and federal agencies and, accordingly, are periodically examined by those regulatory authorities. The Company’s business is affected by state and federal legislation and regulations. </p>
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CY2023Q3 us-gaap Financing Receivable Allowance For Credit Loss Excluding Accrued Interest
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CY2022Q3 us-gaap Financing Receivable Excluding Accrued Interest Credit Loss Expense Reversal
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CY2022Q3 us-gaap Financing Receivable Allowance For Credit Loss Excluding Accrued Interest
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us-gaap Allowance For Loan And Lease Loss Recovery Of Bad Debts
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CY2023Q3 mcb Financing Receivable Allowance For Credit Losses Individually Assessed For Impairment
FinancingReceivableAllowanceForCreditLossesIndividuallyAssessedForImpairment
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CY2023Q3 mcb Financing Receivable Allowance For Credit Losses Collectively Assessed For Impairment
FinancingReceivableAllowanceForCreditLossesCollectivelyAssessedForImpairment
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CY2023Q3 us-gaap Financing Receivable Allowance For Credit Loss Excluding Accrued Interest
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52298000
CY2023Q3 mcb Financing Receivable Individually Assessed For Impairment
FinancingReceivableIndividuallyAssessedForImpairment
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CY2023Q3 mcb Financing Receivable Collectively Assessed For Impairment
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CY2023Q3 mcb Financing Receivable Excluding Accrued Interest Before Allowance For Credit Losses And Loan Before Fee Gross
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CY2022Q4 mcb Financing Receivable Allowance For Credit Losses Individually Assessed For Impairment
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CY2022Q4 mcb Financing Receivable Allowance For Credit Losses Collectively Assessed For Impairment
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CY2022Q4 us-gaap Financing Receivable Allowance For Credit Loss Excluding Accrued Interest
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CY2022Q4 mcb Financing Receivable Individually Assessed For Impairment
FinancingReceivableIndividuallyAssessedForImpairment
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CY2022Q4 mcb Financing Receivable Collectively Assessed For Impairment
FinancingReceivableCollectivelyAssessedForImpairment
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CY2022Q4 mcb Financing Receivable Excluding Accrued Interest Before Allowance For Credit Losses And Loan Before Fee Gross
FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossesAndLoanBeforeFeeGross
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CY2023Q3 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
30958000
CY2023Q3 us-gaap Financing Receivable Nonaccrual No Allowance
FinancingReceivableNonaccrualNoAllowance
30934000
CY2023Q3 us-gaap Financing Receivable Recorded Investment90 Days Past Due And Still Accruing
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0
CY2022Q4 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
24000
CY2023Q3 mcb Financing Receivable Excluding Accrued Interest Before Allowance For Credit Losses And Loan Before Fee Gross
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FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossesAndLoanBeforeFeeGross
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us-gaap Financing Receivable Modifications Number Of Contracts2
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0
CY2023Q3 us-gaap Financing Receivable Modifications Number Of Contracts2
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0
CY2022Q4 us-gaap Impaired Financing Receivable With Related Allowance Unpaid Principal Balance
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24000
CY2022Q4 us-gaap Impaired Financing Receivable With Related Allowance Recorded Investment
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CY2022Q4 us-gaap Impaired Financing Receivable Related Allowance
ImpairedFinancingReceivableRelatedAllowance
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CY2022Q4 us-gaap Impaired Financing Receivable With No Related Allowance Unpaid Principal Balance
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CY2022Q4 us-gaap Impaired Financing Receivable With No Related Allowance Recorded Investment
ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment
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CY2022Q3 us-gaap Impaired Financing Receivable With Related Allowance Average Recorded Investment
ImpairedFinancingReceivableWithRelatedAllowanceAverageRecordedInvestment
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CY2022Q3 us-gaap Impaired Financing Receivable With No Related Allowance Average Recorded Investment
ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment
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CY2022Q3 us-gaap Impaired Financing Receivable With No Related Allowance Interest Income Cash Basis Method
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us-gaap Impaired Financing Receivable With Related Allowance Average Recorded Investment
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us-gaap Impaired Financing Receivable With No Related Allowance Average Recorded Investment
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CY2022Q4 us-gaap Federal Funds Purchased
FederalFundsPurchased
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us-gaap Interest Expense Federal Funds Purchased
InterestExpenseFederalFundsPurchased
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CY2023Q3 us-gaap Advances From Federal Home Loan Banks
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355000000
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100000000
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InterestExpenseFederalHomeLoanBankAdvance
5580000
mcb Interest Expense Federal Home Loan Bank Advance
InterestExpenseFederalHomeLoanBankAdvance
12114000
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0.0536
CY2023Q3 us-gaap Debt Instrument Interest Rate Stated Percentage
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0.0531
CY2023Q3 us-gaap Securities Sold Under Agreements To Repurchase
SecuritiesSoldUnderAgreementsToRepurchase
0
CY2022Q4 us-gaap Securities Sold Under Agreements To Repurchase
SecuritiesSoldUnderAgreementsToRepurchase
0
CY2023Q3 us-gaap Net Income Loss
NetIncomeLoss
22063000
CY2022Q3 us-gaap Net Income Loss
NetIncomeLoss
24955000
us-gaap Net Income Loss
NetIncomeLoss
62700000
us-gaap Net Income Loss
NetIncomeLoss
67165000
CY2023Q3 us-gaap Undistributed Earnings Loss Allocated To Participating Securities Basic
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118000
CY2022Q3 us-gaap Undistributed Earnings Loss Allocated To Participating Securities Basic
UndistributedEarningsLossAllocatedToParticipatingSecuritiesBasic
68000
us-gaap Undistributed Earnings Loss Allocated To Participating Securities Basic
UndistributedEarningsLossAllocatedToParticipatingSecuritiesBasic
285000
us-gaap Undistributed Earnings Loss Allocated To Participating Securities Basic
UndistributedEarningsLossAllocatedToParticipatingSecuritiesBasic
152000
CY2023Q3 us-gaap Net Income Loss Available To Common Stockholders Basic
NetIncomeLossAvailableToCommonStockholdersBasic
21945000
CY2022Q3 us-gaap Net Income Loss Available To Common Stockholders Basic
NetIncomeLossAvailableToCommonStockholdersBasic
24887000
us-gaap Net Income Loss Available To Common Stockholders Basic
NetIncomeLossAvailableToCommonStockholdersBasic
62415000
us-gaap Net Income Loss Available To Common Stockholders Basic
NetIncomeLossAvailableToCommonStockholdersBasic
67013000
CY2023Q3 us-gaap Weighted Average Number Of Shares Issued Basic
WeightedAverageNumberOfSharesIssuedBasic
11098563
CY2022Q3 us-gaap Weighted Average Number Of Shares Issued Basic
WeightedAverageNumberOfSharesIssuedBasic
10961697
us-gaap Weighted Average Number Of Shares Issued Basic
WeightedAverageNumberOfSharesIssuedBasic
11110491
us-gaap Weighted Average Number Of Shares Issued Basic
WeightedAverageNumberOfSharesIssuedBasic
10952452
CY2023Q3 mcb Weighted Average Number Of Shares Participating Securities
WeightedAverageNumberOfSharesParticipatingSecurities
59200
CY2022Q3 mcb Weighted Average Number Of Shares Participating Securities
WeightedAverageNumberOfSharesParticipatingSecurities
30000
mcb Weighted Average Number Of Shares Participating Securities
WeightedAverageNumberOfSharesParticipatingSecurities
50440
mcb Weighted Average Number Of Shares Participating Securities
WeightedAverageNumberOfSharesParticipatingSecurities
24741
CY2023Q3 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
11039363
CY2022Q3 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
10931697
us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
11060051
us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
10927711
CY2023Q3 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
1.99
CY2022Q3 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
2.28
us-gaap Earnings Per Share Basic
EarningsPerShareBasic
5.64
us-gaap Earnings Per Share Basic
EarningsPerShareBasic
6.13
CY2023Q3 us-gaap Net Income Loss Available To Common Stockholders Diluted
NetIncomeLossAvailableToCommonStockholdersDiluted
21945000
CY2022Q3 us-gaap Net Income Loss Available To Common Stockholders Diluted
NetIncomeLossAvailableToCommonStockholdersDiluted
24887000
us-gaap Net Income Loss Available To Common Stockholders Diluted
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62415000
us-gaap Net Income Loss Available To Common Stockholders Diluted
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67013000
CY2023Q3 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
11039363
CY2022Q3 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
10931697
us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
11060051
us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
10927711
CY2023Q3 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
11136873
CY2022Q3 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
11177152
us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
11123348
us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
11204735
CY2023Q3 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
1.97
CY2022Q3 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
2.23
us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
5.61
us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
5.98
CY2023Q3 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Number
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber
0
CY2022Q4 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Number
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber
220200
CY2022Q4 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Weighted Average Exercise Price
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice
18.00
us-gaap Stock Issued During Period Shares Stock Options Exercised
StockIssuedDuringPeriodSharesStockOptionsExercised
220200
us-gaap Share Based Compensation Arrangements By Share Based Payment Award Options Exercises In Period Weighted Average Exercise Price
ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice
18.00
us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Exercises In Period Total Intrinsic Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue
4600000
CY2023Q3 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Exercises In Period Total Intrinsic Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue
4600000
us-gaap Employee Service Share Based Compensation Nonvested Awards Total Compensation Cost Not Yet Recognized Period For Recognition1
EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1
P1Y11M15D
us-gaap Revenue From Contract With Customer Including Assessed Tax
RevenueFromContractWithCustomerIncludingAssessedTax
21413000
us-gaap Revenue From Contract With Customer Including Assessed Tax
RevenueFromContractWithCustomerIncludingAssessedTax
20512000
CY2022Q3 mcb Fair Value Assets Level1 To Level2 Transfers Amounts
FairValueAssetsLevel1ToLevel2TransfersAmounts
0
CY2022Q3 mcb Fair Value Assets Level1 To Level2 Transfers Amounts
FairValueAssetsLevel1ToLevel2TransfersAmounts
0
CY2023Q3 mcb Fair Value Assets Level1 To Level2 Transfers Amounts
FairValueAssetsLevel1ToLevel2TransfersAmounts
0
CY2023Q3 mcb Fair Value Assets Level1 To Level2 Transfers Amounts
FairValueAssetsLevel1ToLevel2TransfersAmounts
0
CY2023Q3 mcb Fair Value Assets Measured At Fair Value On Non Recurring Basis
FairValueAssetsMeasuredAtFairValueOnNonRecurringBasis
0
CY2022Q4 mcb Fair Value Assets Measured At Fair Value On Non Recurring Basis
FairValueAssetsMeasuredAtFairValueOnNonRecurringBasis
0
us-gaap Loans And Leases Receivable Commitments Fixed Rates
LoansAndLeasesReceivableCommitmentsFixedRates
124159
us-gaap Loans And Leases Receivable Commitments Variable Rates
LoansAndLeasesReceivableCommitmentsVariableRates
400962
CY2022 us-gaap Loans And Leases Receivable Commitments Fixed Rates
LoansAndLeasesReceivableCommitmentsFixedRates
94632
CY2022 us-gaap Loans And Leases Receivable Commitments Variable Rates
LoansAndLeasesReceivableCommitmentsVariableRates
364908
CY2023Q3 us-gaap Revenue From Contract With Customer Including Assessed Tax
RevenueFromContractWithCustomerIncludingAssessedTax
6577000
CY2022Q3 us-gaap Revenue From Contract With Customer Including Assessed Tax
RevenueFromContractWithCustomerIncludingAssessedTax
5908000

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