FDIC Certificate #: 58402 Status: Active Federal Reserve ID: 3634394 Date Established: September 13, 2007 WWW:http://www.metrophoenixbank.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 450889 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: September 13, 2007 Last Structure Change Effective Date: July 14, 2009 Last Structure Change Process Date: July 14, 2009 Last Data Update: July 14, 2009 Data Source Date: April 05, 2012
Location
Address: 4686 E. Van Buren, Suite 150, Phoenix, AZ 85008 County: Maricopa Quarterly Banking Profile Region: San Francisco FDIC Geographic Region: San Francisco FDIC Supervisory Region: San Francisco FDIC Field Office: Phoenix Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: Western Metropolitan Statistical Area (MSA): Phoenix-Mesa, AZ (#6200) Core Based Statistical Area (CBSA): Phoenix-Mesa-Glendale, AZ (#38060) CBSA Metro Statistical Area: Phoenix-Mesa-Glendale, AZ (#38060)
History of Changes
Change in Location
Financial Summary
Total assets: $63.2 mil Equity capital: $8.4 mil Deposits held in domestic offices: $54.3 mil Return on assets (ROA): -0.72% (-$0.5 mil) Quarterly return on assets: -0.36% (-$0.2 mil) Return on Equity (ROE): -5.32% (-$0.4 mil) Quarterly return on equity: -2.74% (-$0.2 mil) Net income: -$0.5 mil Quarterly Net income: -$0.1 mil Pretax return on assets: -0.72% (-$454.8 mil) Quarterly Pretax return on assets: -0.36% (-$227.4 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ 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
22Total employees (full-time equivalent)
$63,162Total assets
$7,008Cash and due from depository institutions
$697Interest-bearing balances
$0Securities
$12,393Federal funds sold & reverse repurchase agreements
$41,280Net loans & leases
$2,154Loan loss allowance
$0Trading account assets
$498Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$63,162Life insurance assets
$1,983All other assets
$54,721Total liabilities and capital
$54,330Total liabilities
$46,165Total deposits
$54,330Interest-bearing deposits
$86Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$391Subordinated debt
$8,441All other liabilities
$8,441Total equity capital
$8,441Total bank equity capital
$0Perpetual preferred stock
$19,758Common stock
$984Surplus
$-12,301Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$2,761Income earned, not collected on loans
$0Earning assets
$203Long-term assets (5+ years)
$54,370Average Assets, year-to-date
$7,506Average Assets, quarterly
$65,695Volatile liabilities
$64,557Insider loans
$43,278FHLB advances
$65,963Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$8,441Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$4,317Restructured Loans and leases
$3,075Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,999Total interest income
$535Total interest expense
$2,464Net interest income
$814Provision for loan and lease losses
$2,459Total noninterest income
$0Fiduciary activities
$218Service charges on deposit accounts
$0Trading account gains & fees
$2,241Additional noninterest income
$4,577Total noninterest expense
$2,209Salaries and employee benefits
$431Premises and equipment expense
$1,937Additional noninterest expense
-$468Pre-tax net operating income
-$7Securities gains (losses)
$0Applicable income taxes
-$475Income before extraordinary items
$0Extraordinary gains - net
-$475Net income attributable to bank
$0Net charge-offs
-$475Cash dividends
$569Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.14%Yield on earning assets
0.92%Cost of funding earning assets
4.23%Net interest margin
4.22%Noninterest income to earning assets
7.85%Noninterest expense to earning assets
-0.71%Net operating income to assets
-0.72%Return on assets (ROA)
-0.72%Pretax return on assets
-5.32%Return on equity (ROE)
-5.32%Retained earnings to average equity (YTD only)
1.15%Net charge-offs to loans
143.06%Credit loss provision to net charge-offs
0.61%Efficiency ratio
92,972Assets per employee
2.87%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
4.96%Loss allowance to noncurrent loans
78.02%Noncurrent assets plus other real estate owned to assets
4.37%Noncurrent loans to loans
6.36%Net loans and leases to deposits
75.98%Net loans and leases to core deposits
90.34%Equity capital to assets
13.36%Core capital (leverage) ratio
12.80%Tier 1 risk-based capital ratio
19.50%Total risk-based capital ratio
Memoranda
$21Average assets
$65,695Average earning assets
$8,936Average equity
$58,319Average loans
List of branches
1 Arizona Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
450889
Metro Phoenix Bank
4686 E. Van Buren, Suite 150, Phoenix, AZ 85008
September 13, 2007
Full Service Brick and Mortar
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