Metro Bank in Pell City, Alabama (AL)

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Metro Bank routing number info

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Metro Bank
GeneralFDIC Certificate #: 27510
Status: Active
Federal Reserve ID: 1394621
Date Established: May 30, 1989
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 9 (Domestic: 9, Interstate: No)
FDIC's unique #: 40243
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: May 30, 1989
Last Structure Change Effective Date: Febuary 24, 2011
Last Structure Change Process Date: Febuary 24, 2011
Last Data Update: Febuary 24, 2011
Data Source Date: April 05, 2012
LocationAddress: 800 Martin Street South, Pell City, AL 35128
County: St. Clair
Quarterly Banking Profile Region: Atlanta
FDIC Geographic Region: Atlanta
FDIC Supervisory Region: Atlanta
FDIC Field Office: Shelby
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: Southeast
Metropolitan Statistical Area (MSA): Birmingham, AL (#1000)
Combined Statistical Area (CSA): Birmingham-Hoover-Cullman, AL (#142)
Core Based Statistical Area (CBSA): Birmingham-Hoover, AL (#13820)
CBSA Metro Statistical Area: Birmingham-Hoover, AL (#13820)
History of ChangesChange in Geographic Region/Area/Territory/Field Office
Financial SummaryTotal assets: $627.7 mil
Equity capital: $66.2 mil
Deposits held in domestic offices: $557.5 mil
Return on assets (ROA): 0.94% ($5.9 mil)
Quarterly return on assets: 1.33% ($8.4 mil)
Return on Equity (ROE): 9.00% ($5.9 mil)
Quarterly return on equity: 12.56% ($8.3 mil)
Net income: $5.8 mil
Quarterly Net income: $2.1 mil
Pretax return on assets: 1.21% ($7,595.3 mil)
Quarterly Pretax return on assets: 1.77% ($11,110.5 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)
Total employees (full-time equivalent)163
Total assets$627,713
Cash and due from depository institutions$81,453
Interest-bearing balances$67,366
Federal funds sold & reverse repurchase agreements$5,700
Net loans & leases$396,689
Loan loss allowance $5,002
Trading account assets$0
Bank premises and fixed assets$13,081
Other real estate owned$12,277
Goodwill and other intangibles$0
All other assets$8,465
Life insurance assets$627,714
Total liabilities and capital$561,493
Total liabilities$557,503
Total deposits$488,407
Interest-bearing deposits$557,503
Deposits held in domestic offices$90
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$352
Other borrowed funds $0
Subordinated debt $3,638
All other liabilities $66,221
Total equity capital$66,221
Total bank equity capital$66,221
Perpetual preferred stock$0
Common stock$44
Undivided profits $65,101
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $4,851
Earning assets $0
Long-term assets (5+ years) $4,088
Average Assets, year-to-date $579,803
Average Assets, quarterly $117,932
Volatile liabilities $614,392
Insider loans $625,491
FHLB advances $424,383
Loans and leases held for sale $622,900
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $66,221
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $31,986
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $30,530
Total interest expense $7,126
Net interest income $23,404
Provision for loan and lease losses $5,000
Total noninterest income $3,447
Fiduciary activities $0
Service charges on deposit accounts $1,842
Trading account gains & fees $0
Additional noninterest income $1,605
Total noninterest expense $14,158
Salaries and employee benefits $8,908
Premises and equipment expense $2,116
Additional noninterest expense $3,134
Pre-tax net operating income $7,693
Securities gains (losses) -$248
Applicable income taxes $1,655
Income before extraordinary items $5,790
Extraordinary gains - net $0
Net income attributable to bank $5,790
Net charge-offs $0
Cash dividends $5,790
Sale, conversion, retirement of capital stock, net $4,932
Net operating income $1,575
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.37%
Cost of funding earning assets 1.25%
Net interest margin 4.11%
Noninterest income to earning assets 0.61%
Noninterest expense to earning assets 2.49%
Net operating income to assets 0.97%
Return on assets (ROA) 0.94%
Pretax return on assets 1.21%
Return on equity (ROE) 9.00%
Retained earnings to average equity (YTD only) 6.55%
Net charge-offs to loans 1.21%
Credit loss provision to net charge-offs 101.38%
Efficiency ratio2.57%
Assets per employee$52,728
Cash dividends to net income (YTD only)3.85%
Condition Ratios (%)
Loss allowance to loans 27.20%
Loss allowance to noncurrent loans 1.25%
Noncurrent assets plus other real estate owned to assets 103.11%
Noncurrent loans to loans 2.75%
Net loans and leases to deposits1.21%
Net loans and leases to core deposits 71.15%
Equity capital to assets 74.58%
Core capital (leverage) ratio 10.55%
Tier 1 risk-based capital ratio 10.63%
Total risk-based capital ratio 15.60%
Average assets$17
Average earning assets$614,392
Average equity $64,318
Average loans $568,892
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9 Alabama Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
040243Metro Bank800 Martin Street South, Pell City, AL 35128May 30, 1989Full Service Brick and Mortar
1359018Ragland Branch1164 Main Street, Ragland, AL 35131Febuary 22, 1999Full Service Brick and Mortar
2360665Lincoln Branch47537 Highway 78, Lincoln, AL 35096November 01, 2000Full Service Brick and Mortar
3364643Heflin Branch1022 Coleman St, Heflin, AL 36264January 02, 2002Full Service Brick and Mortar
4364644Pell City Remote BranchHighway 231 North & Lewis Lake Rd, Pell City, AL 35125October 15, 2001Limited Service Facility
5423171Ashville Branch35489 Ushwy 231, Ashville, AL 35953September 17, 2003Full Service Brick and Mortar
6443930Southside Branch2325 Highway 77, Southside, AL 35907April 08, 2005Full Service Brick and Mortar
7469481Martin Street Branch1920 Martin Street South, Pell City, AL 35128July 09, 2007Limited Service Facility
8489870Moody Branch2603 Moody Parkway, Moody, AL 35004April 06, 2009Full Service Brick and Mortar
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