Metropolitan Bank in Crystal Springs, Mississippi (MS), TN
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Metropolitan Bank in Crystal Springs, Mississippi (MS), TN
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Metropolitan Bank - Overview

  • General
  • FDIC Certificate #: 22346
    Status: Active
    Federal Reserve ID: 699132
    Bank Holding Company (Regulatory Top Holder): Metropolitan Bancgroup, Inc. (RSSDID: 3637984, Location: Ridgeland, MS)
    Date Established: October 11, 1976
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 8 (Domestic: 7, Interstate: Yes)
    OTS Docket #: 10760
    FDIC's unique #: 15555
    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: October 11, 1976
    Last Structure Change Effective Date: March 01, 2008
    Last Structure Change Process Date: April 01, 2008
    Last Data Update: April 01, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 201 S. Jackson Street, Crystal Springs, MS 39059
    County: Copiah
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Jackson Ms
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Combined Statistical Area (CSA): Jackson-Yazoo City, MS (#298)
    Core Based Statistical Area (CBSA): Jackson, MS (#27140)
    CBSA Metro Statistical Area: Jackson, MS (#27140)
  • History of Changes
  • Name Change
    Office Sold
  • Financial Summary
  • Total assets: $587.1 mil
    Equity capital: $60.8 mil
    Deposits held in domestic offices: $498.5 mil
    Return on assets (ROA): 0.58% ($3.4 mil)
    Quarterly return on assets: 0.75% ($4.4 mil)
    Return on Equity (ROE): 5.38% ($3.3 mil)
    Quarterly return on equity: 7.12% ($4.3 mil)
    Net income: $3.1 mil
    Quarterly Net income: $1.1 mil
    Pretax return on assets: 0.46% ($2,700.5 mil)
    Quarterly Pretax return on assets: 0.30% ($1,761.2 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
  • 88Total employees (full-time equivalent)
  • $587,066Total assets
  • $32,045Cash and due from depository institutions
  • $17,774Interest-bearing balances
  • $119,208Securities
  • $5,356Federal funds sold & reverse repurchase agreements
  • $406,068Net loans & leases
  • $5,203Loan loss allowance
  • $0Trading account assets
  • $9,305Bank premises and fixed assets
  • $735Other real estate owned
  • $5,574Goodwill and other intangibles
  • $587,066Life insurance assets
  • $8,775All other assets
  • $526,285Total liabilities and capital
  • $498,476Total liabilities
  • $441,426Total deposits
  • $498,476Interest-bearing deposits
  • $77Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $24,635Trading liabilities
  • $0Other borrowed funds
  • $3,174Subordinated debt
  • $60,781All other liabilities
  • $60,781Total equity capital
  • $60,781Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $56,914Surplus
  • $3,867Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,162Income earned, not collected on loans
  • $0Earning assets
  • $1,576Long-term assets (5+ years)
  • $548,406Average Assets, year-to-date
  • $121,161Average Assets, quarterly
  • $542,629Volatile liabilities
  • $575,013Insider loans
  • $450,925FHLB advances
  • $541,435Loans and leases held for sale
  • $1,504Unused loan commitments
  • $1,504Tier 1 (core) risk-based capital
  • $53,880Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $93,977Restructured Loans and leases
  • $7,488Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $21,690Total interest income
  • $5,354Total interest expense
  • $16,336Net interest income
  • $1,746Provision for loan and lease losses
  • $2,668Total noninterest income
  • $0Fiduciary activities
  • $1,122Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,546Additional noninterest income
  • $15,245Total noninterest expense
  • $8,600Salaries and employee benefits
  • $2,233Premises and equipment expense
  • $4,412Additional noninterest expense
  • $2,013Pre-tax net operating income
  • $477Securities gains (losses)
  • -$645Applicable income taxes
  • $3,135Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,135Net income attributable to bank
  • $0Net charge-offs
  • $3,135Cash dividends
  • $1,000Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.23%Yield on earning assets
  • 1.04%Cost of funding earning assets
  • 3.19%Net interest margin
  • 0.52%Noninterest income to earning assets
  • 2.97%Noninterest expense to earning assets
  • 0.49%Net operating income to assets
  • 0.58%Return on assets (ROA)
  • 0.46%Pretax return on assets
  • 5.38%Return on equity (ROE)
  • 5.38%Retained earnings to average equity (YTD only)
  • 0.27%Net charge-offs to loans
  • 174.60%Credit loss provision to net charge-offs
  • 3.76%Efficiency ratio
  • 79,020Assets per employee
  • 6.67%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.27%Loss allowance to noncurrent loans
  • 164.55%Noncurrent assets plus other real estate owned to assets
  • 0.66%Noncurrent loans to loans
  • 0.77%Net loans and leases to deposits
  • 81.46%Net loans and leases to core deposits
  • 127.03%Equity capital to assets
  • 10.35%Core capital (leverage) ratio
  • 9.95%Tier 1 risk-based capital ratio
  • 11.95%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $542,629Average earning assets
  • $58,310Average equity
  • $512,533Average loans

List of branches

  • 5 Mississippi Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    015555Metropolitan Bank201 S. Jackson Street, Crystal Springs, MS 39059October 11, 1976Full Service Brick and Mortar
    1254419Hazlehurst Branch649 North Caldwell Drive, Hazlehurst, MS 39083December 01, 1988Full Service Brick and Mortar
    2430747Rankin Branch3500 Lakeland Drive, Suite 501, Flowood, MS 39232November 24, 2003Full Service Brick and Mortar
    12477420Ridgeland Area Mobile1069 Highland Colony Parkway, Ridgeland, MS 39157June 23, 2008Limited Service Mobile
    13478822Metropolitan Bank Branch1069 Highland Colony Parkway, Ridgeland, MS 39157June 23, 2008Full Service Brick and Mortar
  • 3 Tennessee Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    3360519Metropolitan Bank1661 Aaron Brenner Drive, Suite 100, Memphis, TN 38120December 17, 2001Full Service Brick and Mortar
    11477397Memphis Area Mobile Branch1661 Aaron Brenner Drive, Memphis, TN 38120June 17, 2008Limited Service Mobile
    14529960Poplar Avenue Branch5264 Poplar Avenue, Memphis, TN 38119November 28, 2011Full Service Brick and Mortar

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