Metro Bank in Douglasville, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Metro Bank in Douglasville, Georgia (GA)
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Metro Bank routing number info

Metro Bank - Overview

  • General
  • FDIC Certificate #: 58653
    Status: Active
    Federal Reserve ID: 3650273
    Bank Holding Company (Regulatory Top Holder): Metro Bancshares, Inc. (RSSDID: 3650255, Location: Douglasville, GA)
    Date Established: January 28, 2008
    WWW: http://www.metrobankga.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 461684
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 28, 2008
    Last Structure Change Effective Date: January 28, 2008
    Last Structure Change Process Date: January 29, 2008
    Last Data Update: January 29, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 7475 Douglas Boulevard, Douglasville, GA 30135
    County: Douglas
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Atlanta
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Atlanta, GA (#520)
    Combined Statistical Area (CSA): Atlanta-Sandy Springs-Gainesville, GA-AL (#122)
    Core Based Statistical Area (CBSA): Atlanta-Sandy Springs-Marietta, GA (#12060)
    CBSA Metro Statistical Area: Atlanta-Sandy Springs-Marietta, GA (#12060)
  • History of Changes
  • Change in Geographic Region/Area/Territory/Field Office
    New Institution
  • Financial Summary
  • Total assets: $153.2 mil
    Equity capital: $22.4 mil
    Deposits held in domestic offices: $129.6 mil
    Return on assets (ROA): 1.74% ($2.7 mil)
    Quarterly return on assets: 4.41% ($6.7 mil)
    Return on Equity (ROE): 12.26% ($2.7 mil)
    Quarterly return on equity: 30.99% ($6.8 mil)
    Net income: $2.5 mil
    Quarterly Net income: $1.7 mil
    Pretax return on assets: 1.42% ($2,176.1 mil)
    Quarterly Pretax return on assets: 3.19% ($4,888.6 mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 28Total employees (full-time equivalent)
  • $153,249Total assets
  • $13,643Cash and due from depository institutions
  • $10,590Interest-bearing balances
  • $22,252Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $108,037Net loans & leases
  • $2,312Loan loss allowance
  • $0Trading account assets
  • $3,247Bank premises and fixed assets
  • $1,449Other real estate owned
  • $0Goodwill and other intangibles
  • $153,249Life insurance assets
  • $4,621All other assets
  • $130,820Total liabilities and capital
  • $129,597Total liabilities
  • $115,623Total deposits
  • $129,597Interest-bearing deposits
  • $74Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,223Subordinated debt
  • $22,429All other liabilities
  • $22,429Total equity capital
  • $22,429Total bank equity capital
  • $0Perpetual preferred stock
  • $11,000Common stock
  • $12,371Surplus
  • $-942Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,404Income earned, not collected on loans
  • $0Earning assets
  • $446Long-term assets (5+ years)
  • $140,879Average Assets, year-to-date
  • $27,105Average Assets, quarterly
  • $143,666Volatile liabilities
  • $152,004Insider loans
  • $123,435FHLB advances
  • $151,115Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $22,241Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $7,570Restructured Loans and leases
  • $6,110Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,606Total interest income
  • $1,548Total interest expense
  • $6,058Net interest income
  • $1,114Provision for loan and lease losses
  • $1,375Total noninterest income
  • $0Fiduciary activities
  • $50Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,325Additional noninterest income
  • $4,352Total noninterest expense
  • $2,794Salaries and employee benefits
  • $416Premises and equipment expense
  • $1,142Additional noninterest expense
  • $1,967Pre-tax net operating income
  • $71Securities gains (losses)
  • -$463Applicable income taxes
  • $2,501Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,501Net income attributable to bank
  • $0Net charge-offs
  • $2,501Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.68%Yield on earning assets
  • 1.16%Cost of funding earning assets
  • 4.53%Net interest margin
  • 1.03%Noninterest income to earning assets
  • 3.25%Noninterest expense to earning assets
  • 1.69%Net operating income to assets
  • 1.74%Return on assets (ROA)
  • 1.42%Pretax return on assets
  • 12.26%Return on equity (ROE)
  • 12.26%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 58,550Assets per employee
  • 5.47%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.10%Loss allowance to noncurrent loans
  • 67.92%Noncurrent assets plus other real estate owned to assets
  • 3.17%Noncurrent loans to loans
  • 3.08%Net loans and leases to deposits
  • 83.36%Net loans and leases to core deposits
  • 99.78%Equity capital to assets
  • 14.64%Core capital (leverage) ratio
  • 14.72%Tier 1 risk-based capital ratio
  • 18.02%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $143,666Average earning assets
  • $20,401Average equity
  • $133,818Average loans

List of branches

  • 2 Georgia Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    0461684Metro Bank7475 Douglas Boulevard, Douglasville, GA 30135January 28, 2008Full Service Brick and Mortar
    2527682Kennesaw Branch2454 Kennesaw Due West Road, Kennesaw, GA 30144December 12, 2011Full Service Brick and Mortar

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