Metropolitan Bank (CA)

Metropolitan Bank (CA) is headquartered in Oakland and is the 193^rd largest bank in the state of California. It is also the 4,159^th largest bank in the nation. It was established in 1983 and as of March of 2012, it had grown to 39 employees at 4 locations. Metropolitan Bank (CA) has a 3-star health rating.

Data for Q1 2012

Institution Statistics Metropolitan Bank FDIC Certificate # 25869 BankRate Report View Year Established 1983 Employees 39 Primary Regulator FDIC Assets and Liabilities Assets $134.34 million Loans $98.33 million Deposits $112.74 million Equity Capital $13.08 million Loan Loss Allowance $3.76 million Unbacked Noncurrent Loans $4.38 million Real Estate Owned $2.56 million Historic Data - March 2011 Assets $149.48 million Equity Capital $14.72 million Loan Loss Allowance $2.99 million Unbacked Noncurrent Loans $5.13 million Real Estate Owned $1.65 million Profit Margin - Quarterly Net Interest Margin 4.62% Return on Assets 1.53% Return on Equity 16.14% Interest Income $1.76 million

Institution Health Overall Score: 3 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 Metropolitan Bank (CA) had $6.94 million in non-current loans and owned real-estate with $16.84 million in equity and loan loss allowances on hand to cover it. This gives Metropolitan Bank (CA) a Texas Ratio of 41.18% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Metropolitan Bank (CA) held steady from 38.27% as of March 31, 2011 to 41.18% as of March 31, 2012, resulting in a negative change of 7.59%. This indicates that the balance sheet and financial strength for Metropolitan Bank (CA) has held steady in recent periods. Deposit Growth In the past year, Metropolitan Bank (CA) has decreased its total deposits by -$9.6 million, resulting in -7.84% 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 Metropolitan Bank (CA) 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. Metropolitan Bank (CA) has $134.34 million in assets with $16.84 million in equity, resulting in a capitalization level of 12.54%, which is excellent.

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