Metropolitan National Bank in Youngstown, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of November 08, 2002

  • Metropolitan National Bank in Youngstown, Ohio (OH)
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Metropolitan National Bank - Overview

  • General
  • FDIC Certificate #: 32298
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: First National Bank of Pennsylvania (#7888)
    Federal Reserve ID: 846374
    Date Established: May 19, 1922
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 12 (Interstate: No)
    OTS Docket #: 8113
    FDIC's unique #: 45132
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    SAIF Insured: Yes
    Oakar Institutions: Yes
    State Chartered: No
    Date of Deposit Insurance: March 29, 1985
    Last Structure Change Effective Date: November 08, 2002
    Last Structure Change Process Date: January 24, 2003
    Last Data Update: January 24, 2003
    Data Source Date: April 05, 2012
  • Location
  • Address: One Federal Plaza West, Youngstown, OH 44503
    County: Mahoning
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Columbus
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Youngstown-Warren, OH (#9320)
    Combined Statistical Area (CSA): Youngstown-Warren-East Liverpool, OH-PA (#566)
    Core Based Statistical Area (CBSA): Youngstown-Warren-Boardman, OH-PA (#49660)
    CBSA Metro Statistical Area: Youngstown-Warren-Boardman, OH-PA (#49660)
  • Financial Summary
  • Total assets: $330.1 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
  • 93Total employees (full-time equivalent)
  • $317,846Total assets
  • $16,545Cash and due from depository institutions
  • $68Interest-bearing balances
  • $38,615Securities
  • $7,650Federal funds sold & reverse repurchase agreements
  • $233,998Net loans & leases
  • $2,350Loan loss allowance
  • $0Trading account assets
  • $7,303Bank premises and fixed assets
  • $165Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $13,570All other assets
  • $317,846Total liabilities and capital
  • $295,583Total liabilities
  • $274,585Total deposits
  • $237,015Interest-bearing deposits
  • $274,585Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $17,547Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $743Other borrowed funds
  • $0Subordinated debt
  • $2,708All other liabilities
  • $22,263Total equity capital
  • $22,263Total bank equity capital
  • $22,263Perpetual preferred stock
  • $0Common stock
  • $1,200Surplus
  • $6,020Undivided profits
  • Memoranda
  • $15,043Noncurrent loans and leases
  • $55,873Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $1,594Earning assets
  • $100Long-term assets (5+ years)
  • $1,467Average Assets, year-to-date
  • $280,331Average Assets, quarterly
  • $70,254Volatile liabilities
  • $309,219Insider loans
  • $311,808FHLB advances
  • $38,066Loans and leases held for sale
  • $2,375Unused loan commitments
  • $743Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $83Total risk weighted assets
  • $55,873Total unused commitments
  • $0Restructured Loans and leases
  • $2,350Derivatives

Income and Expense (December 31, 2001)

  • Dollar figures in thousands
  • $21,565Total interest income
  • $8,319Total interest expense
  • $13,246Net interest income
  • $246Provision for loan and lease losses
  • $3,298Total noninterest income
  • $0Fiduciary activities
  • $1,582Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,716Additional noninterest income
  • $9,864Total noninterest expense
  • $3,542Salaries and employee benefits
  • $1,227Premises and equipment expense
  • $5,095Additional noninterest expense
  • $6,434Pre-tax net operating income
  • $0Securities gains (losses)
  • $2,133Applicable income taxes
  • $4,301Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,301Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $850Sale, conversion, retirement of capital stock, net
  • $4,297Net operating income

Performance and Condition Ratios (December 31, 2001)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.84%Yield on earning assets
  • 3.02%Cost of funding earning assets
  • 4.81%Net interest margin
  • 1.20%Noninterest income to earning assets
  • 3.58%Noninterest expense to earning assets
  • 1.39%Net operating income to assets
  • 1.39%Return on assets (ROA)
  • 2.08%Pretax return on assets
  • 19.54%Return on equity (ROE)
  • 0.02%Retained earnings to average equity (YTD only)
  • 0.36%Net charge-offs to loans
  • 28.94%Credit loss provision to net charge-offs
  • 7.86%Efficiency ratio
  • 59,623Assets per employee
  • 3.42%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 99.91%Loss allowance to loans
  • 0.99%Loss allowance to noncurrent loans
  • 147.43%Noncurrent assets plus other real estate owned to assets
  • 0.55%Noncurrent loans to loans
  • 0.67%Net loans and leases to deposits
  • 85.22%Net loans and leases to core deposits
  • 92.07%Equity capital to assets
  • 7.00%Core capital (leverage) ratio
  • 7.00%Tier 1 risk-based capital ratio
  • 9.55%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $309,219Average earning assets
  • $22,016Average equity
  • $275,217Average loans

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