Metrobank

Metrobank is headquartered in Berwyn and is the 62^nd largest bank in the state of Illinois. It is also the 1,025^th largest bank in the nation. It was established in 1947 and as of December of 2012, it had grown to 198 employees at 22 locations. Metrobank has a 1-star health rating.

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Data for Q4 2012

Institution Statistics Metrobank FDIC Certificate # 16641 BankRate Report View Year Established 1947 Employees 198 Primary Regulator FDIC Assets and Liabilities Assets $656.54 million Loans $384.42 million Deposits $610.00 million Equity Capital $27.60 million Loan Loss Allowance $29.11 million Unbacked Noncurrent Loans $86.49 million Real Estate Owned $35.00 million Historic Data - December 2011 Assets $800.47 million Equity Capital $71.08 million Loan Loss Allowance $34.61 million Unbacked Noncurrent Loans $93.50 million Real Estate Owned $21.09 million Profit Margin - Quarterly Net Interest Margin 3.78% Return on Assets -7.58% Return on Equity -94.43% Interest Income $26.94 million

Institution Health Overall Score: 1 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 December 31, 2012 Metrobank had $121.49 million in non-current loans and owned real-estate with $56.71 million in equity and loan loss allowances on hand to cover it. This gives Metrobank a Texas Ratio of 214.24% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Metrobank increased slightly from 108.42% as of December 31, 2011 to 214.24% as of December 31, 2012, resulting in a negative change of 97.60%. This indicates that the balance sheet and financial strength for Metrobank has declined slightly in recent periods. Deposit Growth In the past year, Metrobank has decreased its total deposits by -$101.8 million, resulting in -14.3% 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 Metrobank has shown is poor. 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. Metrobank has $656.54 million in assets with $56.71 million in equity, resulting in a capitalization level of 8.64%, which is average.

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