FDIC Certificate #: 57488 Status: Active Federal Reserve ID: 3153233 Bank Holding Company (Regulatory Top Holder): Metropolitan Capital Bancorp, Inc. (RSSDID: 3153224, Location: Chicago, IL) Date Established: January 25, 2005 WWW:http://www.metcapbank.com Trust Powers Granted: Yes Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 364227 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 25, 2005 Last Structure Change Effective Date: September 02, 2011 Last Structure Change Process Date: September 12, 2011 Last Data Update: September 12, 2011 Data Source Date: April 05, 2012
Location
Address: 9 East Ontario Street, Chicago, IL 60611 County: Cook Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Chicago FDIC Field Office: Chicago Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: Central Metropolitan Statistical Area (MSA): Chicago, IL (#1600) Consolidated Metropolitan Statistical Area (CMSA): Chicago-Gary-Kenosha, IL-IN-WI (#14) Combined Statistical Area (CSA): Chicago-Naperville-Michigan City, IL-IN-WI (#176) Core Based Statistical Area (CBSA): Chicago-Joliet-Naperville, IL-IN-WI (#16980) CBSA Metro Statistical Area: Chicago-Joliet-Naperville, IL-IN-WI (#16980) Core Based Statistical Division: Chicago-Joliet-Naperville, IL (#16974)
History of Changes
Change in Trust Powers
Financial Summary
Total assets: $158.5 mil Equity capital: $13.5 mil Deposits held in domestic offices: $137.6 mil Return on assets (ROA): 0.52% ($0.8 mil) Quarterly return on assets: 0.87% ($1.4 mil) Return on Equity (ROE): 6.22% ($0.9 mil) Quarterly return on equity: 10.29% ($1.4 mil) Net income: $0.8 mil Quarterly Net income: $0.3 mil Pretax return on assets: 0.37% ($586.6 mil) Quarterly Pretax return on assets: 0.73% ($1,157.4 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ 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
24Total employees (full-time equivalent)
$158,542Total assets
$15,823Cash and due from depository institutions
$15,012Interest-bearing balances
$23,248Securities
$813Federal funds sold & reverse repurchase agreements
$110,021Net loans & leases
$1,750Loan loss allowance
$0Trading account assets
$2,677Bank premises and fixed assets
$3,364Other real estate owned
$0Goodwill and other intangibles
$158,542Life insurance assets
$2,596All other assets
$145,000Total liabilities and capital
$137,607Total liabilities
$120,288Total deposits
$137,607Interest-bearing deposits
$88Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$7,000Trading liabilities
$0Other borrowed funds
$393Subordinated debt
$13,542All other liabilities
$13,542Total equity capital
$13,542Total bank equity capital
$0Perpetual preferred stock
$10Common stock
$16,790Surplus
$-3,258Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$368Income earned, not collected on loans
$0Earning assets
$727Long-term assets (5+ years)
$149,094Average Assets, year-to-date
$6,508Average Assets, quarterly
$153,727Volatile liabilities
$158,258Insider loans
$115,745FHLB advances
$159,315Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$13,421Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$29,415Restructured Loans and leases
$1,663Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$8,713Total interest income
$2,682Total interest expense
$6,031Net interest income
$406Provision for loan and lease losses
$122Total noninterest income
$0Fiduciary activities
$42Service charges on deposit accounts
$0Trading account gains & fees
$80Additional noninterest income
$5,202Total noninterest expense
$2,139Salaries and employee benefits
$981Premises and equipment expense
$2,082Additional noninterest expense
$545Pre-tax net operating income
$19Securities gains (losses)
-$240Applicable income taxes
$804Income before extraordinary items
$0Extraordinary gains - net
$804Net income attributable to bank
$0Net charge-offs
$804Cash dividends
$68Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.05%Yield on earning assets
1.86%Cost of funding earning assets
4.18%Net interest margin
0.08%Noninterest income to earning assets
3.61%Noninterest expense to earning assets
0.51%Net operating income to assets
0.52%Return on assets (ROA)
0.37%Pretax return on assets
6.22%Return on equity (ROE)
6.22%Retained earnings to average equity (YTD only)
0.06%Net charge-offs to loans
597.06%Credit loss provision to net charge-offs
13.99%Efficiency ratio
84,544Assets per employee
6.61%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.57%Loss allowance to noncurrent loans
475.54%Noncurrent assets plus other real estate owned to assets
2.35%Noncurrent loans to loans
0.33%Net loans and leases to deposits
79.95%Net loans and leases to core deposits
131.43%Equity capital to assets
8.54%Core capital (leverage) ratio
8.42%Tier 1 risk-based capital ratio
11.60%Total risk-based capital ratio
Memoranda
$13Average assets
$153,727Average earning assets
$12,922Average equity
$144,116Average loans
List of branches
1 Illinois Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
364227
Metropolitan Capital Bank
9 East Ontario Street, Chicago, IL 60611
January 25, 2005
Full Service Brick and Mortar
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