Metro Bank in city_name, state_name - Detailed Financial Reports, Location

Metro Bank in Pell City, Alabama (AL)
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Metro Bank routing number info

Metro Bank - Overview

General
FDIC Certificate #: 27510
Status: Active
Federal Reserve ID: 1394621
Date Established: May 30, 1989
WWW: http://www.metrobankpc.com
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
Location
Address: 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 Changes
Change in Geographic Region/Area/Territory/Field Office
Financial Summary
Total 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
163Total employees (full-time equivalent)
$627,713Total assets
$81,453Cash and due from depository institutions
$67,366Interest-bearing balances
$110,048Securities
$5,700Federal funds sold & reverse repurchase agreements
$396,689Net loans & leases
$5,002Loan loss allowance
$0Trading account assets
$13,081Bank premises and fixed assets
$12,277Other real estate owned
$0Goodwill and other intangibles
$627,714Life insurance assets
$8,465All other assets
$561,493Total liabilities and capital
$557,503Total liabilities
$488,407Total deposits
$557,503Interest-bearing deposits
$90Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$352Trading liabilities
$0Other borrowed funds
$3,638Subordinated debt
$66,221All other liabilities
$66,221Total equity capital
$66,221Total bank equity capital
$0Perpetual preferred stock
$44Common stock
$1,076Surplus
$65,101Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$4,851Income earned, not collected on loans
$0Earning assets
$4,088Long-term assets (5+ years)
$579,803Average Assets, year-to-date
$117,932Average Assets, quarterly
$614,392Volatile liabilities
$625,491Insider loans
$424,383FHLB advances
$622,900Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$66,221Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$31,986Restructured Loans and leases
$6,924Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$30,530Total interest income
$7,126Total interest expense
$23,404Net interest income
$5,000Provision for loan and lease losses
$3,447Total noninterest income
$0Fiduciary activities
$1,842Service charges on deposit accounts
$0Trading account gains & fees
$1,605Additional noninterest income
$14,158Total noninterest expense
$8,908Salaries and employee benefits
$2,116Premises and equipment expense
$3,134Additional noninterest expense
$7,693Pre-tax net operating income
-$248Securities gains (losses)
$1,655Applicable income taxes
$5,790Income before extraordinary items
$0Extraordinary gains - net
$5,790Net income attributable to bank
$0Net charge-offs
$5,790Cash dividends
$4,932Sale, conversion, retirement of capital stock, net
$1,575Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.37%Yield on earning assets
1.25%Cost of funding earning assets
4.11%Net interest margin
0.61%Noninterest income to earning assets
2.49%Noninterest expense to earning assets
0.97%Net operating income to assets
0.94%Return on assets (ROA)
1.21%Pretax return on assets
9.00%Return on equity (ROE)
6.55%Retained earnings to average equity (YTD only)
1.21%Net charge-offs to loans
101.38%Credit loss provision to net charge-offs
2.57%Efficiency ratio
52,728Assets per employee
3.85%Cash dividends to net income (YTD only)
Condition Ratios (%)
27.20%Loss allowance to loans
1.25%Loss allowance to noncurrent loans
103.11%Noncurrent assets plus other real estate owned to assets
2.75%Noncurrent loans to loans
1.21%Net loans and leases to deposits
71.15%Net loans and leases to core deposits
74.58%Equity capital to assets
10.55%Core capital (leverage) ratio
10.63%Tier 1 risk-based capital ratio
15.60%Total risk-based capital ratio
Memoranda
$17Average assets
$614,392Average earning assets
$64,318Average equity
$568,892Average loans

List of branches

9 Alabama Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	40243	Metro Bank	800 Martin Street South, Pell City, AL 35128	May 30, 1989	Full Service Brick and Mortar
1	359018	Ragland Branch	1164 Main Street, Ragland, AL 35131	Febuary 22, 1999	Full Service Brick and Mortar
2	360665	Lincoln Branch	47537 Highway 78, Lincoln, AL 35096	November 01, 2000	Full Service Brick and Mortar
3	364643	Heflin Branch	1022 Coleman St, Heflin, AL 36264	January 02, 2002	Full Service Brick and Mortar
4	364644	Pell City Remote Branch	Highway 231 North & Lewis Lake Rd, Pell City, AL 35125	October 15, 2001	Limited Service Facility
5	423171	Ashville Branch	35489 Ushwy 231, Ashville, AL 35953	September 17, 2003	Full Service Brick and Mortar
6	443930	Southside Branch	2325 Highway 77, Southside, AL 35907	April 08, 2005	Full Service Brick and Mortar
7	469481	Martin Street Branch	1920 Martin Street South, Pell City, AL 35128	July 09, 2007	Limited Service Facility
8	489870	Moody Branch	2603 Moody Parkway, Moody, AL 35004	April 06, 2009	Full Service Brick and Mortar

Metro Bank in Pell City, Alabama (AL)
Overview, Financial Summary, Detailed Financial Reports, Branches

Metro Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Metro Bank in Pell City, Alabama (AL)Overview, Financial Summary, Detailed Financial Reports, Branches

Metro Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Metro Bank in Pell City, Alabama (AL)
Overview, Financial Summary, Detailed Financial Reports, Branches