Metropolitan National Bank (MO)

Metropolitan National Bank (MO) is headquartered in Springfield and is the 52^nd largest bank in the state of Missouri. It is also the 1,440^th largest bank in the nation. It was established in 1983 and as of March of 2012, it had grown to 152 employees at 12 locations. Metropolitan National Bank (MO) has a 3-star health rating.

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Data for Q1 2012

Institution Statistics Metropolitan National Bank FDIC Certificate # 24311 BankRate Report View Year Established 1983 Employees 152 Primary Regulator OCC Assets and Liabilities Assets $465.07 million Loans $293.47 million Deposits $386.29 million Equity Capital $57.52 million Loan Loss Allowance $10.09 million Unbacked Noncurrent Loans $16.17 million Real Estate Owned $1.48 million Historic Data - March 2011 Assets $517.86 million Equity Capital $62.56 million Loan Loss Allowance $9.60 million Unbacked Noncurrent Loans $20.83 million Real Estate Owned $6.06 million Profit Margin - Quarterly Net Interest Margin 3.44% Return on Assets -0.2% Return on Equity -1.63% Interest Income $4.43 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 National Bank (MO) had $17.65 million in non-current loans and owned real-estate with $67.61 million in equity and loan loss allowances on hand to cover it. This gives Metropolitan National Bank (MO) a Texas Ratio of 26.10% 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 National Bank (MO) decreased slightly from 34.93% as of March 31, 2011 to 26.10% as of March 31, 2012, resulting in a positive change of 25.28%.This indicates that the balance sheet and financial strength for Metropolitan National Bank (MO) has improved slightly in recent periods. Deposit Growth In the past year, Metropolitan National Bank (MO) has decreased its total deposits by -$31.82 million, resulting in -7.61% 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 National Bank (MO) 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 National Bank (MO) has $465.07 million in assets with $67.61 million in equity, resulting in a capitalization level of 14.54%, which is excellent.

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