PackageTrendsPeer
Letter portraitLegal landscape

Metro Bank

Douglasville, GA · Cert 58653

FDIC · 3 branches

Q4 2014

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: Q4 2014, the quarter ended December 31, 2014, 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

Metro Bank

Douglasville, GA · Cert 58653

FDIC · 3 branches

Q4 2014

$210.5MAssets
$154.2MLoans
$182.4MDeposits
$25.8MEquity
Loan mix
88%RE $81.7M11%C&I $10.2M1%Consumer $0.7MQ4 2013Q4 2014
Deposit mix
73%Interest-bearing $133.5M27%Noninterest $48.9MQ4 2013Q4 2014

NIM

4.92%Q4 ’124.52%Q4 ’134.07%Q4 ’14-5%-9%

Non-interest income vs. expense

3.39%Q4 ’123.14%Q4 ’132.84%Q4 ’14-10%-12%

Market Position · Atlanta-Sandy Springs-Roswell, GA · 2014 SOD (annual) · 0.1% share · #46 of 100 inst. · $0.2B of $132.6B

9.6% Douglas
0.5% Cobb
0.7% Carroll

Executive Summary

  • Earnings: ROA of 0.70%, up 7 bps year over year; NIM at 3.57%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.04%.
  • Funding: loans stand at 84.55% of deposits as of Q4 2014.

Financial Results

Return on Assets (YTD, annualized)

0.70%+7 bps YoY

Net Interest Margin (YTD, annualized)

3.57%-36 bps YoY

Efficiency Ratio (YTD, annualized)

74.89%-159 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2013Q1 2014Q2 2014Q3 2014Q4 2014YoY ΔTrend
Earnings
Return on Assets0.63%0.58%0.60%0.67%0.70%+7 bps
Return on Equity4.76%4.73%4.92%5.64%5.88%+112 bps
Net Interest Margin3.93%3.88%3.77%3.62%3.57%-36 bps
Efficiency Ratio76.48%76.68%75.96%74.70%74.89%-159 bps
Non-Interest Burden2.97%2.94%2.82%2.64%2.62%-34 bps
Growth
Asset Growth (YoY)21.38%21.60%12.63%22.43%7.05%-1,432 bps
Loan Growth (YoY)14.19%9.59%9.68%3.12%10.51%-367 bps
Deposit Growth (YoY)21.62%23.67%14.60%27.88%8.84%-1,279 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.18%0.00%0.00%-0.06%-0.04%-22 bps
Allowance / Loans1.15%1.15%1.19%1.21%1.05%-10 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 Capital16.62%16.60%15.41%15.58%15.93%-69 bps
Equity / Assets12.28%12.43%11.66%11.24%12.25%-3 bps
Liquidity & Funding
Loans / Deposits83.27%81.82%74.61%71.80%84.55%+128 bps
Liquid Assets / Assets9.44%6.52%11.76%14.68%2.91%-653 bps
CRE / Total Capitaln/an/an/an/an/an/an/a