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Metropolitan National Bank

Youngstown, OH · Cert 32298

FDIC

Q3 2002

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2002, the quarter ended September 30, 2002, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Metropolitan National Bank

Youngstown, OH · Cert 32298

FDIC

Q3 2002

$330.1MAssets
$252.8MLoans
$271.7MDeposits
$23.9MEquity
Loan mix
77%RE $135.0M22%C&I $37.9M1%Consumer $1.8MQ3 2001Q3 2002
Deposit mix
88%Interest-bearing $239.6M12%Noninterest $32.1MQ3 2001Q3 2002

NIM

7.25%Q1 ’017.22%Q3 ’016.08%Q3 ’02+6%-2%

Non-interest income vs. expense

3.31%Q1 ’013.29%Q3 ’013.41%Q3 ’02-1%+4%

Executive Summary

  • Earnings: ROA of 1.23%, down 14 bps year over year; NIM at 4.26%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.08%.
  • Funding: loans stand at 93.05% of deposits as of Q3 2002.

Financial Results

Return on Assets (YTD, annualized)

1.23%-14 bps YoY

Net Interest Margin (YTD, annualized)

4.26%-7 bps YoY

Efficiency Ratio (YTD, annualized)

63.61%+259 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2001Q4 2001Q1 2002Q2 2002Q3 2002YoY ΔTrend
Earnings
Return on Assets1.37%1.39%0.92%1.12%1.23%-14 bps
Return on Equityn/an/a12.98%15.98%17.43%n/a
Net Interest Margin4.33%4.26%4.40%4.24%4.26%-7 bps
Efficiency Ratio61.02%59.62%72.37%66.59%63.61%+259 bps
Non-Interest Burden2.22%2.11%2.88%2.47%2.31%+9 bps
Growth
Asset Growth (YoY)-1.16%3.83%1.70%7.99%7.95%+911 bps
Loan Growth (YoY)-3.15%2.87%4.10%6.58%8.16%+1,130 bps
Deposit Growth (YoY)1.53%5.77%-0.09%6.65%3.24%+171 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.10%0.36%0.01%0.09%0.08%-2 bps
Allowance / Loans1.20%0.99%1.01%0.99%0.99%-22 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 Capital10.72%10.58%10.81%10.34%10.66%-6 bps
Equity / Assets7.21%7.00%7.13%6.90%7.24%+3 bps
Liquidity & Funding
Loans / Deposits88.82%86.07%88.02%89.88%93.05%+423 bps
Liquid Assets / Assets0.06%0.93%0.93%1.01%0.99%+93 bps
CRE / Total Capitaln/an/an/an/an/an/an/a