Metro Commerce Bank in San Rafael, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 01, 2002

  • Metro Commerce Bank in San Rafael, California (CA)
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Metro Commerce Bank - Overview

  • General
  • FDIC Certificate #: 32720
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Business Bank of California (#25070)
    Federal Reserve ID: 1416082
    Date Established: December 08, 1989
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 6 (Interstate: No)
    OTS Docket #: 10216
    FDIC's unique #: 45583
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: December 08, 1989
    Last Structure Change Effective Date: January 01, 2002
    Last Structure Change Process Date: January 29, 2002
    Last Data Update: January 29, 2002
    Data Source Date: April 05, 2012
  • Location
  • Address: 1248 Fifth Avenue, San Rafael, CA 94901
    County: Marin
    Quarterly Banking Profile Region: San Francisco
    FDIC Geographic Region: San Francisco
    FDIC Supervisory Region: San Francisco
    FDIC Field Office: San Francisco
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Metropolitan Statistical Area (MSA): San Francisco, CA (#7360)
    Consolidated Metropolitan Statistical Area (CMSA): San Francisco-Oakland-San Jose, CA (#84)
    Combined Statistical Area (CSA): San Jose-San Francisco-Oakland, CA (#488)
    Core Based Statistical Area (CBSA): San Francisco-Oakland-Fremont, CA (#41860)
    CBSA Metro Statistical Area: San Francisco-Oakland-Fremont, CA (#41860)
    Core Based Statistical Division: San Francisco-San Mateo-Redwood City, CA (#41884)
  • Financial Summary
  • Total assets: $229.9 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, 2001)

  • Dollar figures in thousands
  • 59Total employees (full-time equivalent)
  • $229,854Total assets
  • $16,657Cash and due from depository institutions
  • $0Interest-bearing balances
  • $27,219Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $180,201Net loans & leases
  • $2,436Loan loss allowance
  • $0Trading account assets
  • $3,223Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $2,554All other assets
  • $229,854Total liabilities and capital
  • $213,209Total liabilities
  • $210,980Total deposits
  • $157,615Interest-bearing deposits
  • $210,980Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $600Other borrowed funds
  • $0Subordinated debt
  • $1,629All other liabilities
  • $16,645Total equity capital
  • $16,645Total bank equity capital
  • $16,645Perpetual preferred stock
  • $0Common stock
  • $4,021Surplus
  • $5,040Undivided profits
  • Memoranda
  • $7,584Noncurrent loans and leases
  • $39,454Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $44Earning assets
  • $0Long-term assets (5+ years)
  • $809Average Assets, year-to-date
  • $207,420Average Assets, quarterly
  • $10,010Volatile liabilities
  • $221,594Insider loans
  • $228,173FHLB advances
  • $24,511Loans and leases held for sale
  • $2,021Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $39,454Total unused commitments
  • $0Restructured Loans and leases
  • $2,304Derivatives

Income and Expense (December 31, 2001)

  • Dollar figures in thousands
  • $17,699Total interest income
  • $4,992Total interest expense
  • $12,707Net interest income
  • $500Provision for loan and lease losses
  • $997Total noninterest income
  • $0Fiduciary activities
  • $543Service charges on deposit accounts
  • $0Trading account gains & fees
  • $454Additional noninterest income
  • $8,753Total noninterest expense
  • $4,590Salaries and employee benefits
  • $1,541Premises and equipment expense
  • $2,622Additional noninterest expense
  • $4,451Pre-tax net operating income
  • $707Securities gains (losses)
  • $2,148Applicable income taxes
  • $3,010Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,010Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $3Sale, conversion, retirement of capital stock, net
  • $2,800Net operating income

Performance and Condition Ratios (December 31, 2001)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.87%Yield on earning assets
  • 2.50%Cost of funding earning assets
  • 6.37%Net interest margin
  • 0.50%Noninterest income to earning assets
  • 4.39%Noninterest expense to earning assets
  • 1.15%Net operating income to assets
  • 1.36%Return on assets (ROA)
  • 2.33%Pretax return on assets
  • 18.04%Return on equity (ROE)
  • 1.26%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 16666.67%Credit loss provision to net charge-offs
  • 1650.33%Efficiency ratio
  • 63,872Assets per employee
  • 3.90%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 93.02%Loss allowance to loans
  • 1.33%Loss allowance to noncurrent loans
  • 5536.36%Noncurrent assets plus other real estate owned to assets
  • 0.02%Noncurrent loans to loans
  • 0.02%Net loans and leases to deposits
  • 85.41%Net loans and leases to core deposits
  • 96.33%Equity capital to assets
  • 7.24%Core capital (leverage) ratio
  • 6.99%Tier 1 risk-based capital ratio
  • 8.86%Total risk-based capital ratio
  • Memoranda
  • $10Average assets
  • $221,594Average earning assets
  • $16,681Average equity
  • $199,508Average loans

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