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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.
MetroPacific Bank as of March-2009
18831 VON KARMAN AVE, # 101 IRVINE, CA, 92612
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

March
2009


F
30.3
-0.29
426.5%
0

Fail
4.1%
5.4%
3.5%


CCC
D or Lower
2,643.5
100.00
2.59
6.4


$26,931
-17.65%
$2,652
0.1:1
$11,829
15.83%
0.44:1


$75,316
$59,906

$2,479

$222
$70,037
1.27%
1.25%

$70,078
$5,515
$0
$33,707
-

-
7.87%
52.08%

$3,959
$1,661
2.38:1
$2,523

$3,959
$951
$488
$0
$0
$12,518
$3,479
$2,834
$20,262
26.90%
22.69%
$12,518

-
-

December
2008


F
21.2
-0.02
152.2%
0

Adequate
12.6%
13.9%
10.1%


BB
BB
136.0
98.99
1.94
10.9


$1,681
-145.90%
$8,135
4.8:1
$11,800
14.77%
7.02:1


$80,432
$65,522

$3,338

$1,993
$75,360
2.64%
2.94%

$69,690
$5,515
$0
$31,705
-

-
7.91%
46.28%

$891
$1,414
0.63:1
$1,782

$891
$5,287
$2,170
$9
$0
$11,476
$533
$2,901
$20,564
25.57%
22.88%
$11,485

-
-

September
2008


F
20.9
-0.01
122.8%
0

Adequate
13.6%
14.8%
12.0%


BB
BB
89.3
97.92
2.00
11.5


$1,138
-107.71%
$9,248
8.1:1
$12,185
15.96%
10.71:1


$76,935
$64,468

$2,555

$1,712
$72,271
3.16%
3.47%

$63,270
$6,519
$0
$18,408
$2,000

2.60%
10.30%
35.00%

$432
$1,077
0.40:1
$1,904

$432
$6,976
$262
$151
$0
$4,226
$216
$2,474
$14,259
18.53%
18.04%
$4,377

-
-

June
2008


F
20.9
-2.25
102.7%
0

Adequate
17.8%
19.0%
15.8%


BB
BB
84.9
96.46
1.64
16.7


$914
-63.12%
$10,658
11.7:1
$14,626
21.90%
16.00:1


$67,419
$59,864

$3,092

$1,212
$64,729
3.74%
3.81%

$53,313
$6,531
$0
$22,072
$3,000

4.45%
12.25%
46.88%

$254
$75
3.39:1
$1,080

$254
$3,373
$184
$0
$0
$2,860
$0
$0
$6,487
9.62%
9.40%
$2,860

-
-

March
2008


F
20.6
-2.92
100.2%
0

Adequate
18.7%
19.9%
16.1%


BBB
A
18.2
100.00
1.43
15.0


$872
-16.18%
$10,671
12.2:1
$14,597
22.16%
16.75:1


$66,462
$57,086

$2,573

$697
$64,468
4.32%
4.42%

$52,286
$6,870
$0
$17,296
$3,000

4.51%
13.14%
40.87%

$26
$75
0.35:1
$1,299

$26
$3,021
$0
$2,800
$0
$1,714
$77
$0
$7,561
11.38%
11.28%
$4,514

-
-

December
2007


F
20.6
-5.20
112.8%
0

Adequate
21.3%
22.5%
17.9%


A
AA
6.7
100.00
1.52
27.4


$820
-70.26%
$11,519
14.1:1
$14,565
22.90%
17.77:1


$64,192
$53,689

$3,179

$2,633
$62,429
4.22%
4.99%

$49,031
$6,870
$0
$16,357
$3,000

4.67%
14.01%
40.86%

$36
$221
0.16:1
$650

$36
$4,278
$117
$205
$0
$1,694
$77
$0
$6,213
9.68%
9.44%
$1,899

-
-

September
2007


F
20.6
-3.56
113.1%
0

Adequate
26.8%
27.8%
20.8%


A
AA
10.2
100.00
0.64
23.7


$720
-53.50%
$11,827
16.4:1
$14,631
25.97%
20.33:1


$56,925
$47,131

$2,568

$2,024
$54,981
4.91%
5.37%

$42,558
$6,856
$0
$18,071
$2,000

3.51%
16.11%
47.30%

$36
$25
1.44:1
$454

$36
$133
$100
$149
$112
$77
$77
$0
$395
0.69%
0.29%
$226

-
-

June
2007


F
20.7
-5.11
122.0%
0

Adequate
29.6%
30.6%
22.6%


BBB
A
18.2
100.00
0.92
36.0


$605
-52.44%
$11,774
19.5:1
$14,576
28.27%
24.11:1


$52,174
$39,588

$2,553

$1,289
$50,317
5.12%
5.29%

$39,886
$3,189
$0
$13,845
-

-
8.00%
32.65%

$36
$1
36.00:1
$427

$36
$275
$112
$0
$0
$48
$48
$0
$359
0.69%
0.44%
$48

-
-

March
2007


F
20.8
-6.97
131.0%
0

Adequate
29.9%
31.0%
22.7%


BBB
BBB
36.4
100.00
0.74
38.1


$605
-34.89%
$11,798
19.5:1
$14,514
28.20%
24.00:1


$52,061
$39,599

$2,798

$651
$49,779
5.23%
5.43%

$39,827
$3,000
$0
$13,671
-

-
7.53%
32.02%

$36
-
-
$427

$36
$56
$0
$0
$0
$0
$0
$0
$92
0.18%
0.18%
$0

-
-

December
2006


F
20.6
-8.19
125.7%
0

Adequate
29.5%
30.7%
25.0%


AAA
AAA
0.0
0.00
0.69
36.9


$529
-192.78%
$11,933
22.6:1
$14,454
30.64%
27.32:1


$47,816
$34,650

$3,037

$2,543
$46,104
5.52%
6.01%

$35,435
$0
$0
$10,364
-

-
0.00%
21.67%

-
$217
-
$463

$0
$448
$0
$0
$0
$36
$0
$0
$484
1.01%
1.01%
$36

-
-

September
2006


F
20.6
-8.50
129.2%
0

Adequate
31.6%
32.7%
26.8%


AAA
AAA
0.0
0.00
0.71
50.7


$513
-173.53%
$12,066
23.5:1
$14,476
32.59%
28.19:1


$44,989
$33,625

$3,029

$1,741
$43,119
5.38%
5.61%

$32,472
$0
$0
$10,469
-

-
0.00%
23.27%

-
$148
-
$400

$0
$0
$0
$0
$0
$0
$0
$0
$0
0%
0%
$0

-
-

June
2006


F
20.7
-10.60
144.2%
0

Adequate
32.8%
33.7%
28.3%


AAA
AAA
0.0
0.00
0.36
67.6


$445
-143.94%
$11,994
26.9:1
$14,269
34.17%
32.04:1


$42,345
$29,164

$2,999

$1,081
$40,546
5.33%
5.30%

$29,910
$0
$0
$9,135
-

-
0.00%
21.57%

-
$85
-
$337

$0
$0
$0
$0
$0
$0
$0
$0
$0
0%
0%
$0

-
-

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