Institution Statistics
| US Metro Bank | | FDIC Certificate # | 58310 | | BankRate Report | View | | Year Established | 2006 | | Employees | 20 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $91.54 million | | Loans | $59.70 million | | Deposits | $77.25 million | | Equity Capital | $13.99 million | | Loan Loss Allowance | $2.46 million | | Unbacked Noncurrent Loans | $2.85 million |
Historic Data - March 2011 | | Assets | $110.48 million | | Equity Capital | $15.91 million | | Loan Loss Allowance | $2.17 million | | Unbacked Noncurrent Loans | $1.89 million |
Profit Margin - Quarterly | | Net Interest Margin | 3.22% | | Return on Assets | -0.47% | | Return on Equity | -3.08% | | Interest Income | $901,000 |
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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 US Metro Bank had $2.85 million in non-current loans and owned real-estate with $16.46 million in equity and loan loss allowances on hand to cover it. This gives US Metro Bank a Texas Ratio of 17.34% 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 US Metro Bank increased slightly from 6.53% as of March 31, 2011 to 17.34% as of March 31, 2012, resulting in a negative change of 165.54%. This indicates that the balance sheet and financial strength for US Metro Bank has declined slightly in recent periods. | | Deposit Growth |  | | In the past year, US Metro Bank has decreased its total deposits by -$14.69 million, resulting in -15.97% 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 US Metro Bank 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. US Metro Bank has $91.54 million in assets with $16.46 million in equity, resulting in a capitalization level of 17.98%, which is excellent. |
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