Metro Bank in Lemoyne, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Metro Bank in Lemoyne, Pennsylvania (PA)
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Metro Bank - Overview

  • General
  • FDIC Certificate #: 26255
    Status: Active
    Federal Reserve ID: 775214
    Bank Holding Company (Regulatory Top Holder): Metro Bancorp, Inc. (RSSDID: 2807614, Location: Harrisburg, PA)
    Date Established: June 01, 1985
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 33 (Domestic: 33, Interstate: No)
    OTS Docket #: 11852
    FDIC's unique #: 32611
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: June 01, 1985
    Last Structure Change Effective Date: July 21, 2009
    Last Structure Change Process Date: September 09, 2009
    Last Data Update: September 09, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 1249 Market St, Lemoyne, PA 17043
    County: Cumberland
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: Harrisburg
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
    Metropolitan Statistical Area (MSA): Harrisburg-Lebanon-Carlisle, PA (#3240)
    Combined Statistical Area (CSA): Harrisburg-Carlisle-Lebanon, PA (#276)
    Core Based Statistical Area (CBSA): Harrisburg-Carlisle, PA (#25420)
    CBSA Metro Statistical Area: Harrisburg-Carlisle, PA (#25420)
  • History of Changes
  • Name Change
  • Financial Summary
  • Total assets: $2,417.8 mil
    Equity capital: $221.6 mil
    Deposits held in domestic offices: $2,091.3 mil
    Return on assets (ROA): 0.15% ($3.6 mil)
    Quarterly return on assets: 0.48% ($11.6 mil)
    Return on Equity (ROE): 1.63% ($3.6 mil)
    Quarterly return on equity: 5.27% ($11.7 mil)
    Net income: $3.5 mil
    Quarterly Net income: $2.9 mil
    Pretax return on assets: 0.16% ($3,868.5 mil)
    Quarterly Pretax return on assets: 0.66% ($15,957.6 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 898Total employees (full-time equivalent)
  • $2,417,820Total assets
  • $46,998Cash and due from depository institutions
  • $2,053Interest-bearing balances
  • $810,094Securities
  • $8,075Federal funds sold & reverse repurchase agreements
  • $1,424,407Net loans & leases
  • $21,620Loan loss allowance
  • $0Trading account assets
  • $82,114Bank premises and fixed assets
  • $4,857Other real estate owned
  • $0Goodwill and other intangibles
  • $2,417,820Life insurance assets
  • $41,275All other assets
  • $2,196,242Total liabilities and capital
  • $2,091,261Total liabilities
  • $1,674,329Total deposits
  • $2,091,261Interest-bearing deposits
  • $73Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $90,000Trading liabilities
  • $0Other borrowed funds
  • $14,981Subordinated debt
  • $221,578All other liabilities
  • $221,578Total equity capital
  • $221,578Total bank equity capital
  • $974Perpetual preferred stock
  • $14,125Common stock
  • $151,508Surplus
  • $54,971Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $9,359Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $34,821Income earned, not collected on loans
  • $1,023Earning assets
  • $7,378Long-term assets (5+ years)
  • $2,244,629Average Assets, year-to-date
  • $804,586Average Assets, quarterly
  • $2,355,212Volatile liabilities
  • $2,424,495Insider loans
  • $1,691,970FHLB advances
  • $2,393,673Loans and leases held for sale
  • $39Unused loan commitments
  • $39Tier 1 (core) risk-based capital
  • $217,764Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $353,757Restructured Loans and leases
  • $12,391Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $99,389Total interest income
  • $12,085Total interest expense
  • $87,304Net interest income
  • $20,592Provision for loan and lease losses
  • $28,580Total noninterest income
  • $0Fiduciary activities
  • $9,173Service charges on deposit accounts
  • $0Trading account gains & fees
  • $19,407Additional noninterest income
  • $91,615Total noninterest expense
  • $40,318Salaries and employee benefits
  • $14,402Premises and equipment expense
  • $36,895Additional noninterest expense
  • $3,677Pre-tax net operating income
  • $26Securities gains (losses)
  • $208Applicable income taxes
  • $3,495Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,495Net income attributable to bank
  • $0Net charge-offs
  • $3,495Cash dividends
  • $20,590Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.58%Yield on earning assets
  • 0.56%Cost of funding earning assets
  • 4.03%Net interest margin
  • 1.32%Noninterest income to earning assets
  • 4.22%Noninterest expense to earning assets
  • 0.15%Net operating income to assets
  • 0.15%Return on assets (ROA)
  • 0.16%Pretax return on assets
  • 1.63%Return on equity (ROE)
  • 1.63%Retained earnings to average equity (YTD only)
  • 1.43%Net charge-offs to loans
  • 100.01%Credit loss provision to net charge-offs
  • 1.18%Efficiency ratio
  • 79,058Assets per employee
  • 2.69%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.50%Loss allowance to noncurrent loans
  • 62.09%Noncurrent assets plus other real estate owned to assets
  • 1.64%Noncurrent loans to loans
  • 2.41%Net loans and leases to deposits
  • 68.11%Net loans and leases to core deposits
  • 69.95%Equity capital to assets
  • 9.16%Core capital (leverage) ratio
  • 9.10%Tier 1 risk-based capital ratio
  • 12.87%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $2,355,212Average earning assets
  • $214,317Average equity
  • $2,168,491Average loans

List of branches

  • 33 Pennsylvania Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    032611Metro Bank1249 Market St, Lemoyne, PA 17043June 01, 1985Full Service Brick and Mortar
    2258639Colonial Park Branch4700 Jonestown Road, Harrisburg, PA 17109July 25, 1987Full Service Brick and Mortar
    3258640Hampden Township Branch4860 Carlisle Pike, Mechanicsburg, PA 17050October 24, 1988Full Service Brick and Mortar
    4258641Mountain Road Branch6071 Allentown Boulevard, Harrisburg, PA 17112April 24, 1992Full Service Brick and Mortar
    5258642Hummelstown Branch600 Walton Avenue, Hummelstown, PA 17036November 04, 1995Full Service Brick and Mortar
    6258643York Crossing Branch2100 York Crossing Drive, York, PA 17408October 05, 1996Full Service Brick and Mortar
    7258644Queen Street Branch2160 South Queen Street, York, PA 17402October 05, 1996Full Service Brick and Mortar
    9258646Prospect Street Branch1098 Haines Road, York, PA 17402September 27, 1997Full Service Brick and Mortar
    10258647Simpson Ferry Branch5032 Simpson Ferry Road, Mechanicsburg, PA 17050September 27, 1997Full Service Brick and Mortar
    11258648Route 30 Branch55 Arsenal Road, York, PA 17404April 18, 1998Full Service Brick and Mortar
    12258649Carlisle Branch65 Ashland Avenue, Carlisle, PA 17013August 22, 1998Full Service Brick and Mortar
    13357062Cedar Cliff Branch1130 Carlisle Road, Camp Hill, PA 17011June 03, 2000Full Service Brick and Mortar
    14360034Wertzville Road Branch742 Wertzville Road, Enola, PA 17025March 31, 2001Full Service Brick and Mortar
    15361758Palmyra Branch903 East Main Street, Palmyra, PA 17078October 28, 2000Full Service Brick and Mortar
    16364524Red Lion Branch3109 Cape Horn Road, Red Lion, PA 17356October 13, 2001Full Service Brick and Mortar
    17364525Downtown Harrisburg Branch101 North Second St, Harrisburg, PA 17101June 05, 2002Full Service Brick and Mortar
    18366195Carlisle Commons Branch20 Noble Boulevard,, Carlisle, PA 17013December 14, 2002Full Service Brick and Mortar
    21419566Camp Hill Mall Branch3201 Trindle Road, Camp Hill, PA 17011August 03, 2002Full Service Brick and Mortar
    22419567Union Deposit Road Branch3951 Union Deposit Road, Harrisburg, PA 17109June 21, 2003Full Service Brick and Mortar
    23423079Muhlenburg Branch3045 North Fifth Street Highway, Reading, PA 19605September 20, 2003Full Service Brick and Mortar
    24423129Exeter Branch5140 Perkiomen Avenue, Reading, PA 19606July 19, 2003Full Service Brick and Mortar
    25425102Progress Avenue Branch2030 North Progress Avenue, Harrisburg, PA 17110December 30, 2003Full Service Brick and Mortar
    26430844Derry Street Branch4250 Derry Street, Harrisburg, PA 17111December 13, 2003Full Service Brick and Mortar
    27436964East Cumberland Branch115 Bowman Street, Lebanon, PA 17046October 25, 2004Full Service Brick and Mortar
    28440476Mount Zion Road Branch1400 Mount Zion Road, York, PA 17402April 30, 2005Full Service Brick and Mortar
    29445589State Hill Road Branch2101 State Hill Road, Wyomissing, PA 19610August 13, 2005Full Service Brick and Mortar
    30445591West Cumberland Street Branch2120 Cumberland Street, Lebanon, PA 17042July 30, 2005Full Service Brick and Mortar
    31445922Lancaster Avenue Branch606 E. Lancaster Avenue, Shillington, PA 19607October 22, 2005Full Service Brick and Mortar
    33458304Rohrerstown Road Branch23 Rohrerstown Road, Lancaster, PA 17603November 11, 2006Full Service Brick and Mortar
    34458305Lititz Pike Branch1416 Lititz Pike, Lancaster, PA 17601November 11, 2006Full Service Brick and Mortar
    35469345Linglestown Road Branch4350 Linglestown Road, Harrisburg, PA 17112September 15, 2007Full Service Brick and Mortar
    36469346Shillington Road Branch2701 Shillington Road, Sinking Spring, PA 19608July 14, 2007Full Service Brick and Mortar
    37469347Manheim Pike Branch1461 Manheim Pike, Lancaster, PA 17601August 18, 2007Full Service Brick and Mortar

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