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Metrobank, National Association

Houston, TX · Cert 26937

FDIC

Q4 2013

$1.1BAssets
$841.4MLoans
$963.5MDeposits
$137.8MEquity
Loan mix
81%RE $339.0M18%C&I $77.0M0%Consumer $1.2MQ4 2012Q4 2013
Deposit mix
67%Interest-bearing $647.3M33%Noninterest $316.1MQ4 2012Q4 2013

NIM

4.60%Q4 ’114.34%Q4 ’123.91%Q4 ’130%-9%

Non-interest income vs. expense

2.84%Q4 ’112.97%Q4 ’123.15%Q4 ’13+2%+2%

Executive Summary

  • Earnings: ROA of 0.72%, down 26 bps year over year; NIM at 3.45%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.11%.
  • Funding: loans stand at 87.33% of deposits as of Q4 2013.

Financial Results

Return on Assets (YTD, annualized)

0.72%-26 bps YoY

Net Interest Margin (YTD, annualized)

3.45%-33 bps YoY

Efficiency Ratio (YTD, annualized)

74.62%+760 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2012Q1 2013Q2 2013Q3 2013Q4 2013YoY ΔTrend
Earnings
Return on Assets0.99%1.07%1.05%1.06%0.72%-26 bps
Return on Equity7.97%8.41%8.42%8.61%5.90%-207 bps
Net Interest Margin3.78%3.45%3.41%3.45%3.45%-33 bps
Efficiency Ratio67.02%67.22%65.82%66.65%74.62%+760 bps
Non-Interest Burden2.32%1.99%1.94%2.02%2.38%+6 bps
Growth
Asset Growth (YoY)1.37%3.59%-2.56%1.64%2.83%+146 bps
Loan Growth (YoY)2.82%5.07%5.29%4.94%10.03%+722 bps
Deposit Growth (YoY)0.66%3.35%-3.81%1.30%2.61%+195 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.54%0.47%0.34%0.29%0.11%-43 bps
Allowance / Loans2.22%2.00%1.84%1.71%1.53%-70 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital17.80%17.76%16.07%16.40%16.21%-160 bps
Equity / Assets12.82%12.73%11.91%11.96%11.98%-84 bps
Liquidity & Funding
Loans / Deposits81.44%81.02%86.76%84.86%87.33%+589 bps
Liquid Assets / Assets8.34%8.75%5.30%7.39%10.37%+203 bps
CRE / Total Capitaln/an/an/an/an/an/an/a