# METRO UNITED BANK
SAN DIEGO, CA · FDIC certificate 33401 · asset band $300M-1B · latest filing 2013-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $486.4M | |
| Deposits | $407.1M | |
| Loans and leases | $373.7M | |
| Total equity | $67.2M | |
| Loans / deposits | 90.31% (p78 of band) | 77.63% |
| Liquid assets / assets | 19.92% (p26 of band) | |
| Uninsured deposits / deposits | 26.11% (p75 of band) | 18.22% |
| Brokered deposits | 2.80% | |
| Wholesale funding | 4.85% (p45 of band) | |
| FHLB advances / assets | 2.06% | |
| Tier 1 leverage | 11.19% (p74 of band) | 9.92% |
| Unrealized securities loss / equity | -0.42% (p62 of band) | -1.24% |
| AOCI / equity | -0.24% (p86 of band) | |
| ROA (annualized) | 0.95% (p60 of band) | 0.83% |
| Net interest margin | 3.58% (p49 of band) | 3.59% |
| Efficiency ratio | 65.73% (p38 of band) | |
| Noncurrent loans | 1.04% (p46 of band) | 1.18% |
| Net charge-offs (annualized) | -0.07% (p3 of band) | |
| Reserve coverage of noncurrent | 155.36% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 17.76% (p30 of band) | |
| Auto loans | $2.6M (0.68% of loans; DQ 0.31%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 16.1% | |
| Employees | 64 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 1 |  | charge-offs p90 |
| 2011-09 | 1 |  |  |
| 2011-12 | 2 | losing money |  |
| 2012-03 | 1 |  | losing money |
| 2012-06 | 0 |  | reserve under noncurrent |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | reserve under noncurrent |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 | capital falling | reserve under noncurrent |
| 2013-09 | 1 |  |  |
| 2013-12 | 0 |  | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2013-09-18 [East West Bancorp And MetroCorp Bancshares Enter Into Definitive Agreement For Merger - PR Newswire](https://news.google.com/rss/articles/CBMi2AFBVV95cUxQM3pwT2pJakJ4SW5zMk56U2ttYTRaZTFPSExqS0hjNENlWXdfbENUcXlScWs3S0ZtMWpOSFhRYjVlbVM0WEM3ZS02S3BneXRIVHNMWm1TVlNjaGRsTlgyWWJOTTU2WjFtT3MyUmlBdWNDVjUzTVFFNHVXSS1jTWtjbUtQMlJVcFFmT1FUTlozTWxVU1UzdEU5ZnZFa1ZpUjRuSlpsSzB6TUxlV29RcnhCclRZd1hkY2ZSaVlHc2lnNG1keE5oQkdYOGlFWm1EM1pXSjR3M3dmdnk?oc=5) · PR Newswire
- 2013-02-01 [George Lee appointed co-chairman of MetroCorp Bancshares - The Business Journals](https://news.google.com/rss/articles/CBMilwFBVV95cUxPXzBrOGF3UVlfZktUUjVTVFNKUlFBUlA5OUFRU093Y3RtaURFRXJCYlhrSGsyS0VXVzB2N2d4cHFLRThtT1hidHA4Nk1ZSnViZ0s4TWRtZmtrbUJpdkstWGlqblFsRWxOcHQteE9vc2tMRnV3RDlFeVc0dWpBUmtaOVhBeFhfb0IxNk9jTk5ySmNxeGg1NXdn?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=33401 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/57.json (key "33401", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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