MetroBank, National Association in Houston, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

MetroBank, National Association - Overview

  • General
  • FDIC Certificate #: 26937
    Status: Active
    Federal Reserve ID: 189352
    Bank Holding Company (Regulatory Top Holder): Metrocorp Bancshares, Inc. (RSSDID: 2344799, Location: Houston, TX)
    Date Established: April 15, 1987
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 14 (Domestic: 14, Interstate: No)
    OTS Docket #: 10521
    FDIC's unique #: 36331
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: April 15, 1987
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 9600 Bellaire Boulevard, Suite 252, Houston, TX 77036
    County: Harris
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Houston
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): Houston, TX (#3360)
    Consolidated Metropolitan Statistical Area (CMSA): Houston-Galveston-Brazoria, TX (#42)
    Combined Statistical Area (CSA): Houston-Baytown-Huntsville, TX (#288)
    Core Based Statistical Area (CBSA): Houston-Sugar Land-Baytown, TX (#26420)
    CBSA Metro Statistical Area: Houston-Sugar Land-Baytown, TX (#26420)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $1,103.1 mil
    Equity capital: $133.7 mil
    Deposits held in domestic offices: $932.8 mil
    Return on assets (ROA): 0.85% ($9.4 mil)
    Quarterly return on assets: 0.90% ($9.9 mil)
    Return on Equity (ROE): 7.28% ($9.8 mil)
    Quarterly return on equity: 7.54% ($10.1 mil)
    Net income: $9.5 mil
    Quarterly Net income: $2.5 mil
    Pretax return on assets: 1.22% ($13,457.7 mil)
    Quarterly Pretax return on assets: 1.28% ($14,119.5 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
  • 224Total employees (full-time equivalent)
  • $1,103,089Total assets
  • $118,951Cash and due from depository institutions
  • $85,610Interest-bearing balances
  • $174,434Securities
  • $6,070Federal funds sold & reverse repurchase agreements
  • $722,722Net loans & leases
  • $21,042Loan loss allowance
  • $0Trading account assets
  • $3,883Bank premises and fixed assets
  • $16,870Other real estate owned
  • $148Goodwill and other intangibles
  • $1,103,089Life insurance assets
  • $60,011All other assets
  • $969,370Total liabilities and capital
  • $932,817Total liabilities
  • $686,616Total deposits
  • $932,817Interest-bearing deposits
  • $73Deposits held in domestic offices
  • 25000.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $315Trading liabilities
  • $0Other borrowed funds
  • $11,238Subordinated debt
  • $133,719All other liabilities
  • $133,719Total equity capital
  • $133,719Total bank equity capital
  • $0Perpetual preferred stock
  • $21,205Common stock
  • $54,434Surplus
  • $58,080Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $29,351Income earned, not collected on loans
  • $0Earning assets
  • $3,344Long-term assets (5+ years)
  • $988,836Average Assets, year-to-date
  • $181,220Average Assets, quarterly
  • $1,118,161Volatile liabilities
  • $1,107,300Insider loans
  • $835,393FHLB advances
  • $1,104,168Loans and leases held for sale
  • $31,427Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $129,864Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $31,427Total unused commitments
  • $111,339Restructured Loans and leases
  • $800Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $50,900Total interest income
  • $8,928Total interest expense
  • $41,972Net interest income
  • $3,151Provision for loan and lease losses
  • $6,247Total noninterest income
  • $0Fiduciary activities
  • $2,842Service charges on deposit accounts
  • $0Trading account gains & fees
  • $3,405Additional noninterest income
  • $31,472Total noninterest expense
  • $16,325Salaries and employee benefits
  • $4,692Premises and equipment expense
  • $10,455Additional noninterest expense
  • $13,596Pre-tax net operating income
  • -$7Securities gains (losses)
  • $4,052Applicable income taxes
  • $9,537Income before extraordinary items
  • $0Extraordinary gains - net
  • $9,537Net income attributable to bank
  • $0Net charge-offs
  • $9,537Cash dividends
  • $6,068Sale, conversion, retirement of capital stock, net
  • $6,000Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.05%Yield on earning assets
  • 0.88%Cost of funding earning assets
  • 4.16%Net interest margin
  • 0.62%Noninterest income to earning assets
  • 3.12%Noninterest expense to earning assets
  • 0.85%Net operating income to assets
  • 0.85%Return on assets (ROA)
  • 1.22%Pretax return on assets
  • 7.28%Return on equity (ROE)
  • 2.70%Retained earnings to average equity (YTD only)
  • 0.78%Net charge-offs to loans
  • 51.93%Credit loss provision to net charge-offs
  • 2.76%Efficiency ratio
  • 65,269Assets per employee
  • 4.92%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 62.91%Loss allowance to loans
  • 2.83%Loss allowance to noncurrent loans
  • 71.69%Noncurrent assets plus other real estate owned to assets
  • 4.19%Noncurrent loans to loans
  • 3.95%Net loans and leases to deposits
  • 77.48%Net loans and leases to core deposits
  • 89.41%Equity capital to assets
  • 12.12%Core capital (leverage) ratio
  • 11.76%Tier 1 risk-based capital ratio
  • 15.55%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $1,118,161Average earning assets
  • $131,065Average equity
  • $1,008,884Average loans

List of branches

  • 14 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    036331Metrobank, National Association9600 Bellaire Boulevard, Suite 252, Houston, TX 77036April 15, 1987Full Service Brick and Mortar
    210346Industrial Branch6730 Capitol Avenue, Houston, TX 77011April 01, 1944Full Service Brick and Mortar
    3237382Drive-In Facility6730 Capitol, Houston, TX 77011July 05, 1976Limited Service Facility
    6260504William Trace Branch15144 Southwest Freeway, Sugar Land, TX 77478November 06, 1995Full Service Brick and Mortar
    8260506Richardson Branch275 W Campbell Road, Richardson, TX 75080April 29, 1996Full Service Brick and Mortar
    9260507Harwin Branch10000 Harwin, Houston, TX 77036June 18, 1996Full Service Brick and Mortar
    10260508Veterans Memorial Branch13480 Veterans Memorial Dr, Houston, TX 77014April 01, 1997Full Service Brick and Mortar
    11260509Milam Branch2808 Milam Street, Suite A, Houston, TX 77006January 05, 1998Full Service Brick and Mortar
    12260510Harry Hines Branch2527 Royal Lane, Suite 155, Dallas, TX 75229June 01, 1998Full Service Brick and Mortar
    14260512Dulles Branch4635 Highway 6, Sugar Land, TX 77479March 12, 1999Full Service Brick and Mortar
    15260513Spring Branch1027 Blalock, Houston, TX 77055April 15, 1999Full Service Brick and Mortar
    16260514Boone Road Branch11205 Bellaire Boulevard, Suite 89, Houston, TX 77072November 26, 1999Full Service Brick and Mortar
    17453510Plano Branch3911 W. Park Blvd Suite#601, Plano, TX 75075June 01, 2006Full Service Brick and Mortar
    18478574Garland Branch3212 N. Jupiter Road, Suite 106, Garland, TX 75044June 16, 2008Full Service Brick and Mortar

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