Institution Statistics
| Metro City Bank | | FDIC Certificate # | 58181 | | BankRate Report | View | | Year Established | 2006 | | Employees | 76 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $495.20 million | | Loans | $335.81 million | | Deposits | $406.37 million | | Equity Capital | $54.03 million | | Loan Loss Allowance | $5.71 million | | Unbacked Noncurrent Loans | $3.36 million | | Real Estate Owned | $4.98 million |
Historic Data - March 2011 | | Assets | $383.60 million | | Equity Capital | $48.14 million | | Loan Loss Allowance | $6.67 million | | Unbacked Noncurrent Loans | $3.16 million | | Real Estate Owned | $7.50 million |
Profit Margin - Quarterly | | Net Interest Margin | 3.51% | | Return on Assets | 1.88% | | Return on Equity | 15.6% | | Interest Income | $4.66 million |
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Institution Health
Overall Score:
5 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 City Bank had $8.34 million in non-current loans and owned real-estate with $59.74 million in equity and loan loss allowances on hand to cover it. This gives Metro City Bank a Texas Ratio of 13.96% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend | | | The Texas Ratio for Metro City Bank decreased slightly from 22.71% as of March 31, 2011 to 13.96% as of March 31, 2012, resulting in a positive change of 38.51%.This indicates that the balance sheet and financial strength for Metro City Bank has improved slightly in recent periods. | | Deposit Growth |  | | In the past year, Metro City Bank has increased its total deposits by $95.48 million, resulting in 30.71% 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 City Bank 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 City Bank has $495.2 million in assets with $59.74 million in equity, resulting in a capitalization level of 12.06%, which is excellent. |
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