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Failed Bank History Report
If you had been a subscriber to the IRA Bank Monitor when would you have known?

This institution did not file a CALL/TFR in the most recent FFIEC reporting cycle.
The most recent data available in our database is shown.
Metro Bank of Dade County, member of holding company METROBANK FINANCIAL SERVICES, INC.
as of June-2010
9350 SOUTH DIXIE HIGHWAY MIAMI, FL, 33156
Data Source: IRA Bank Monitor.  Data in thousands unless otherwise noted.  Copyright 2003-2009 Lord, Whalen LLC All Rights Reserved
Historical Performance Table



IRA Bank Stress Benchmarks
Grade
Stress Index Number
ROE, %
Efficiency Ratio
Goodwill Writedowns

Capital Ratios
T1/RWA
RBC/RWA
T1/ASSET

Basel II Benchmarks
Bond Equivalent Defaults, Method 1
B.E.D., Method 2
Default Rate, bp
LGD: Loss Given Default, %
M: Wt. Avg. Maturity, yr
EAD: Exposure At Default, %

Economic Capital Analysis
EC
RAROC, %
Tier 1 RBC
T1RBC to EC Leverage
Bank Tangible Common Equity
Percent of Tangible Assets (TCE Ratio)
TCE to EC Leverage

Regulatory Watch Points
Total Assets
Total Lending

Total Securities

Net Interest Income, YTD
Earning Assets, Total
Net Interest Margin, Current Qtr - Annualized
NIMY, from FDIC 5YR METHOD

Total Deposits
Brokered Deposits
Reciprocal Brokered Deposits
Volatile Liabilities, per FDIC
FHLB Advances

FHLB Advances-to-Assets, percent
Brokered to Total Deposits, percent
FHLB+BRO+VOLIAB to Assets, percent

Gross Defaults, Actual
Provision for Loan Losses, Income Statement
Actual-to-Provision Ratio
Balance Sheet Allowances for Loan Losses

Gross Defaults, Total
30-89 Day Assets, Total
  Guaranteed Portion of 30-89
Over 90 Assets, Total
  Guaranteed Portion of Over 90
Non-Accrual Assets, Total
  Guaranteed Portion of NA
Real Estate Owned (REO)
Total Troubled Assets
Troubled Assets % of Total Assets
   % factored for less 80% GTY Offsets
Non-Conforming Assets, Reported

Off Balance Sheet Derivatives, Notional
Loss Realization Margin to RBC, bp

June
2010


F?
-531.3
540.00
135.5%
0

Fail
-0.0%
-0.0%
-0.0%


CCC
D or Lower
1,552.2
99.73
1.67
8.0


$76,154
-31.32%
$-10
-0.0:1
$4,330
1.09%
0.06:1


$399,441
$272,578

$30,756

$3,163
$363,072
1.74%
1.55%

$375,522
$37,386
$0
$74,218
$21,000

5.26%
9.96%
33.20%

$21,155
$26,249
0.81:1
$19,236

$21,155
$10,263
$0
$584
$0
$56,459
$0
$12,333
$100,794
25.23%
25.23%
$57,043

-
-

March
2010


F
24.1
-0.48
133.0%
0

Fail
2.2%
3.5%
1.5%


B
CCC
830.7
100.00
1.58
8.6


$45,895
-16.42%
$6,810
0.1:1
$9,767
2.23%
0.21:1


$442,331
$301,786

$31,287

$1,606
$407,884
1.57%
1.50%

$391,290
$54,998
$0
$89,673
$21,000

4.75%
14.06%
37.45%

$6,267
$9,597
0.65:1
$17,414

$6,267
$14,522
$0
$343
$0
$57,853
$0
$6,913
$85,898
19.42%
19.42%
$58,196

-
-

December
2009


F
22.4
-0.05
140.5%
0

Warn
7.2%
8.5%
4.9%


B
CCC
502.9
99.47
1.56
9.3


$28,515
-68.71%
$24,436
0.9:1
$21,327
4.35%
0.75:1


$493,925
$314,445

$33,327

$6,462
$456,372
1.42%
1.44%

$416,830
$70,007
$0
$111,796
$21,000

4.25%
16.80%
41.06%

$15,813
$19,326
0.82:1
$8,985

$15,813
$29,400
$0
$16
$0
$40,621
$0
$7,052
$92,902
18.81%
18.81%
$40,637

-
-

September
2009


F
21.4
-0.02
103.9%
0

Adequate
10.0%
11.2%
7.3%


BB
B
236.5
98.54
1.54
12.4


$14,105
-58.14%
$34,508
2.4:1
$29,700
6.37%
2.11:1


$469,984
$325,410

$32,248

$4,870
$438,191
1.48%
1.45%

$383,429
$85,910
$0
$118,882
$21,000

4.47%
22.41%
48.04%

$5,773
$10,730
0.54:1
$10,429

$5,773
$23,139
$0
$0
$0
$34,246
$0
$6,382
$69,540
14.80%
14.80%
$34,246

-
-

June
2009


F
20.9
-0.01
106.2%
0

Adequate
10.7%
12.0%
8.1%


BB
BBB
68.9
99.22
1.49
15.9


$5,536
-53.43%
$39,031
7.0:1
$36,523
7.68%
6.60:1


$479,080
$337,076

$29,948

$3,152
$448,136
1.41%
1.40%

$373,146
$85,929
$0
$133,829
$40,000

8.35%
23.03%
54.22%

$1,161
$3,480
0.33:1
$7,716

$1,161
$8,038
$0
$215
$0
$31,531
$0
$4,308
$45,253
9.45%
9.45%
$31,746

-
-

March
2009


F
20.6
-8.93
101.9%
0

Adequate
10.4%
11.7%
7.8%


A
AA
6.1
96.15
1.63
17.0


$4,684
-18.83%
$40,439
8.6:1
$40,465
7.83%
8.64:1


$520,174
$338,833

$31,416

$1,516
$486,911
1.25%
1.35%

$406,543
$132,043
$0
$138,642
$45,000

8.65%
32.48%
60.69%

$52
$1,500
0.03:1
$6,838

$52
$12,955
$0
$216
$0
$37,710
$0
$2,183
$53,116
10.21%
10.21%
$37,926

-
-

December
2008


C
4.3
0.61
63.2%
0

Adequate
10.6%
11.8%
9.4%


BB
BBB
59.1
99.37
1.66
22.5


$4,764
39.69%
$41,398
8.7:1
$42,706
9.76%
8.96:1


$441,394
$347,174

$30,979

$13,175
$413,701
3.18%
3.41%

$324,663
$175,167
$0
$87,784
$45,000

10.19%
53.95%
69.77%

$2,053
$5,634
0.36:1
$7,395

$2,053
$11,895
$0
$2,194
$0
$22,926
$0
$1,480
$40,548
9.19%
9.19%
$25,120

$100,000
4,632

September
2008


A+
1.0
5.62
61.7%
0

Adequate
11.0%
12.3%
10.2%


BBB
A
22.4
98.26
1.63
29.4


$3,048
93.17%
$42,987
14.1:1
$43,284
10.40%
14.20:1


$420,008
$342,768

$29,535

$10,552
$396,244
3.55%
3.71%

$302,820
$167,052
$0
$74,051
$45,000

10.71%
55.17%
68.12%

$576
$2,000
0.29:1
$5,235

$576
$9,832
$0
$0
$0
$7,280
$0
$784
$18,472
4.40%
4.40%
$7,280

$100,000
4,786

June
2008


A+
0.9
7.19
61.5%
0

Adequate
10.9%
12.0%
10.4%


BBB
A
23.2
97.23
1.55
29.7


$2,981
64.10%
$42,698
14.3:1
$43,583
10.72%
14.62:1


$410,178
$341,836

$26,991

$6,994
$386,784
3.62%
3.75%

$292,674
$151,449
$0
$49,744
$50,000

12.19%
51.75%
61.24%

$397
$800
0.50:1
$4,215

$397
$5,175
$0
$0
$0
$1,730
$0
$109
$7,411
1.81%
1.81%
$1,730

$100,000
4,691

March
2008


A+
0.9
7.74
61.1%
0

Adequate
11.3%
12.3%
10.7%


BBB
A
29.2
97.87
1.55
33.4


$2,847
36.60%
$42,033
14.8:1
$44,126
11.31%
15.50:1


$393,841
$322,222

$24,803

$3,588
$370,616
3.87%
3.91%

$270,302
$130,923
$0
$50,146
$55,000

13.97%
48.44%
59.94%

$235
$300
0.78:1
$3,871

$235
$327
$0
$30
$0
$972
$0
$109
$1,673
0.42%
0.42%
$1,002

$100,000
4,590

December
2007


A+
0.7
11.30
53.4%
0

Adequate
11.5%
12.6%
10.8%


AAA
AAA
0.1
-1,000.00
1.34
31.5


$2,892
284.78%
$41,353
14.3:1
$42,099
11.03%
14.56:1


$383,607
$317,990

$29,074

$16,507
$362,648
4.55%
5.08%

$273,559
$123,087
$0
$52,832
$46,000

11.99%
44.99%
57.85%

$2
$840
0.00:1
$3,801

$2
$4,728
$0
$75
$0
$0
$0
$109
$4,914
1.28%
1.28%
$75

$100,000
4,515

September
2007


A+
0.7
11.79
53.8%
0

Adequate
11.8%
12.8%
10.9%


AAA
AAA
0.1
-800.00
1.18
40.3


$2,714
226.85%
$40,322
14.9:1
$40,285
10.99%
14.85:1


$368,336
$290,207

$31,137

$12,295
$348,303
4.71%
5.19%

$259,990
$109,916
$0
$54,770
$46,000

12.49%
42.28%
57.20%

$2
$540
0.00:1
$3,497

$2
$0
$0
$80
$0
$122
$11
$0
$204
0.06%
0.05%
$202

$100,000
4,382

All CALL/TFR's file to identical calendars ending Dec-31. Quarterly values reported are cumulative thru the reporting year. Dollar data in thousands unless otherwise noted. Selected rates pre-computed by FDIC are factored according to criteria from the regulatory agency to derive annualized rates. Peering groups are dynamically generated each quarter based the bank unit being examined. See the quarterly for peer listings.
Lord, Whalen LLC dba Institutional Risk Analytics 371 Van Ness Way Suite 110 Torrance, California 90501 310.676.3300