Metropolitan Capital Bank

Metropolitan Capital Bank is headquartered in Chicago and is the 259^th largest bank in the state of Illinois. It is also the 3,757^th largest bank in the nation. It was established in 2005 and as of March of 2012, it had grown to 24 employees at 1 location. Metropolitan Capital Bank has a 3-star health rating.

Metropolitan Capital Bank Routing Number: 071026408

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Data for Q1 2012

Institution Statistics Metropolitan Capital Bank FDIC Certificate # 57488 BankRate Report View Year Established 2005 Employees 24 Primary Regulator FDIC Assets and Liabilities Assets $157.02 million Loans $111.86 million Deposits $135.78 million Equity Capital $13.52 million Loan Loss Allowance $1.80 million Unbacked Noncurrent Loans $360,000 Real Estate Owned $3.36 million Historic Data - March 2011 Assets $151.05 million Equity Capital $12.56 million Loan Loss Allowance $1.58 million Unbacked Noncurrent Loans $89,000 Real Estate Owned $3.42 million Profit Margin - Quarterly Net Interest Margin 4.06% Return on Assets 0.2% Return on Equity 2.37% Interest Income $2.10 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 Capital Bank had $3.72 million in non-current loans and owned real-estate with $15.32 million in equity and loan loss allowances on hand to cover it. This gives Metropolitan Capital Bank a Texas Ratio of 24.27% 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 Metropolitan Capital Bank held steady from 24.81% as of March 31, 2011 to 24.27% as of March 31, 2012, resulting in a positive change of 2.14%.This indicates that the balance sheet and financial strength for Metropolitan Capital Bank has held steady in recent periods. Deposit Growth In the past year, Metropolitan Capital Bank has increased its total deposits by $6.34 million, resulting in 4.9% 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 Capital Bank has shown is above average. 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 Capital Bank has $157.02 million in assets with $15.32 million in equity, resulting in a capitalization level of 9.75%, which is average.

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