Metro Bank (GA)

Metro Bank (GA) is headquartered in Douglasville and is the 110^st largest bank in the state of Georgia. It is also the 3,670^th largest bank in the nation. It was established in 2008 and as of March of 2012, it had grown to 29 employees at 2 locations. Metro Bank (GA) has a 4-star health rating.

Data for Q1 2012

Institution Statistics Metro Bank FDIC Certificate # 58653 BankRate Report View Year Established 2008 Employees 29 Primary Regulator FDIC Assets and Liabilities Assets $162.00 million Loans $109.11 million Deposits $138.74 million Equity Capital $22.74 million Loan Loss Allowance $1.90 million Unbacked Noncurrent Loans $5.09 million Real Estate Owned $1.45 million Historic Data - March 2011 Assets $140.87 million Equity Capital $19.42 million Loan Loss Allowance $1.78 million Unbacked Noncurrent Loans $1.48 million Real Estate Owned $3.50 million Profit Margin - Quarterly Net Interest Margin 4.41% Return on Assets 0.59% Return on Equity 4.14% Interest Income $1.96 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Metro Bank (GA) had $6.54 million in non-current loans and owned real-estate with $24.64 million in equity and loan loss allowances on hand to cover it. This gives Metro Bank (GA) a Texas Ratio of 26.54% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Metro Bank (GA) held steady from 23.49% as of March 31, 2011 to 26.54% as of March 31, 2012, resulting in a negative change of 12.98%. This indicates that the balance sheet and financial strength for Metro Bank (GA) has held steady in recent periods. Deposit Growth In the past year, Metro Bank (GA) has increased its total deposits by $17.54 million, resulting in 14.47% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Metro Bank (GA) has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Metro Bank (GA) has $162 million in assets with $24.64 million in equity, resulting in a capitalization level of 15.21%, which is excellent.

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