Metropolitan Capital Bank in Chicago, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Metropolitan Capital Bank in Chicago, Illinois (IL)
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Metropolitan Capital Bank - Overview

  • General
  • FDIC Certificate #: 57488
    Status: Active
    Federal Reserve ID: 3153233
    Bank Holding Company (Regulatory Top Holder): Metropolitan Capital Bancorp, Inc. (RSSDID: 3153224, Location: Chicago, IL)
    Date Established: January 25, 2005
    WWW: http://www.metcapbank.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 364227
    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: January 25, 2005
    Last Structure Change Effective Date: September 02, 2011
    Last Structure Change Process Date: September 12, 2011
    Last Data Update: September 12, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 9 East Ontario Street, Chicago, IL 60611
    County: Cook
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Chicago
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Chicago, IL (#1600)
    Consolidated Metropolitan Statistical Area (CMSA): Chicago-Gary-Kenosha, IL-IN-WI (#14)
    Combined Statistical Area (CSA): Chicago-Naperville-Michigan City, IL-IN-WI (#176)
    Core Based Statistical Area (CBSA): Chicago-Joliet-Naperville, IL-IN-WI (#16980)
    CBSA Metro Statistical Area: Chicago-Joliet-Naperville, IL-IN-WI (#16980)
    Core Based Statistical Division: Chicago-Joliet-Naperville, IL (#16974)
  • History of Changes
  • Change in Trust Powers
  • Financial Summary
  • Total assets: $158.5 mil
    Equity capital: $13.5 mil
    Deposits held in domestic offices: $137.6 mil
    Return on assets (ROA): 0.52% ($0.8 mil)
    Quarterly return on assets: 0.87% ($1.4 mil)
    Return on Equity (ROE): 6.22% ($0.9 mil)
    Quarterly return on equity: 10.29% ($1.4 mil)
    Net income: $0.8 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 0.37% ($586.6 mil)
    Quarterly Pretax return on assets: 0.73% ($1,157.4 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
  • 24Total employees (full-time equivalent)
  • $158,542Total assets
  • $15,823Cash and due from depository institutions
  • $15,012Interest-bearing balances
  • $23,248Securities
  • $813Federal funds sold & reverse repurchase agreements
  • $110,021Net loans & leases
  • $1,750Loan loss allowance
  • $0Trading account assets
  • $2,677Bank premises and fixed assets
  • $3,364Other real estate owned
  • $0Goodwill and other intangibles
  • $158,542Life insurance assets
  • $2,596All other assets
  • $145,000Total liabilities and capital
  • $137,607Total liabilities
  • $120,288Total deposits
  • $137,607Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $7,000Trading liabilities
  • $0Other borrowed funds
  • $393Subordinated debt
  • $13,542All other liabilities
  • $13,542Total equity capital
  • $13,542Total bank equity capital
  • $0Perpetual preferred stock
  • $10Common stock
  • $16,790Surplus
  • $-3,258Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $368Income earned, not collected on loans
  • $0Earning assets
  • $727Long-term assets (5+ years)
  • $149,094Average Assets, year-to-date
  • $6,508Average Assets, quarterly
  • $153,727Volatile liabilities
  • $158,258Insider loans
  • $115,745FHLB advances
  • $159,315Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $13,421Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $29,415Restructured Loans and leases
  • $1,663Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $8,713Total interest income
  • $2,682Total interest expense
  • $6,031Net interest income
  • $406Provision for loan and lease losses
  • $122Total noninterest income
  • $0Fiduciary activities
  • $42Service charges on deposit accounts
  • $0Trading account gains & fees
  • $80Additional noninterest income
  • $5,202Total noninterest expense
  • $2,139Salaries and employee benefits
  • $981Premises and equipment expense
  • $2,082Additional noninterest expense
  • $545Pre-tax net operating income
  • $19Securities gains (losses)
  • -$240Applicable income taxes
  • $804Income before extraordinary items
  • $0Extraordinary gains - net
  • $804Net income attributable to bank
  • $0Net charge-offs
  • $804Cash dividends
  • $68Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.05%Yield on earning assets
  • 1.86%Cost of funding earning assets
  • 4.18%Net interest margin
  • 0.08%Noninterest income to earning assets
  • 3.61%Noninterest expense to earning assets
  • 0.51%Net operating income to assets
  • 0.52%Return on assets (ROA)
  • 0.37%Pretax return on assets
  • 6.22%Return on equity (ROE)
  • 6.22%Retained earnings to average equity (YTD only)
  • 0.06%Net charge-offs to loans
  • 597.06%Credit loss provision to net charge-offs
  • 13.99%Efficiency ratio
  • 84,544Assets per employee
  • 6.61%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.57%Loss allowance to noncurrent loans
  • 475.54%Noncurrent assets plus other real estate owned to assets
  • 2.35%Noncurrent loans to loans
  • 0.33%Net loans and leases to deposits
  • 79.95%Net loans and leases to core deposits
  • 131.43%Equity capital to assets
  • 8.54%Core capital (leverage) ratio
  • 8.42%Tier 1 risk-based capital ratio
  • 11.60%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $153,727Average earning assets
  • $12,922Average equity
  • $144,116Average loans

List of branches

  • 1 Illinois Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0364227Metropolitan Capital Bank9 East Ontario Street, Chicago, IL 60611January 25, 2005Full Service Brick and Mortar

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