401k Plan data: METRO BANK RETIREMENT SAVINGS PLAN plan

METRO BANK RETIREMENT SAVINGS PLAN 401k Plan overview

Plan Name	METRO BANK RETIREMENT SAVINGS PLAN
Plan identification number	001

METRO BANK RETIREMENT SAVINGS PLAN Benefits

401k Plan Type

Defined Contribution Pension

Plan Features/Benefits

Profit-sharing
ERISA section 404(c) Plan - This plan, or any part of it is intended to meet the conditions of 29 CFR 2550.404c-1.
Total participant-directed account plan - Participants have the opportunity to direct the investment of all the assets allocated to their individual accounts, regardless of whether 29 CFR 2550.404c-1 is intended to be met.
Code section 401(k) feature - A cash or deferred arrangement described in Code section 401(k) that is part of a qualified defined contribution plan that provides for an election by employees to defer part of their compensation or receive these amounts in cash.
Code section 401(m) arrangement - Employee contributions are allocated to separate accounts under the plan or employer contributions are based, in whole or in part, on employee deferrals or contribtions to the plan. Not applicable if plan is 401(k) plan with only QNECs and/or QMACs. Also not applicable if Code section 403(b)(1), 403(b)(7) or 408 arrangements/accounts/annuities.
Total or partial participant-directed account plan - plan uses default investment account for participants who fail to direct assets in their account.
Master plan - A pension plan that is made available by a sponsor for adoption by employers; that is the subject of a favorable opinion letter; and for which a single funding medium (for example, a trust or custodial account) is established for the joint use of all adopting employers.

401k Sponsoring company profile

METRO BANK has sponsored the creation of one or more 401k plans.

Company Name: METRO BANK

Employer identification number (EIN): 232324730

NAIC Classification: 522110
NAIC Description: Commercial Banking

Additional information about METRO BANK

Jurisdiction of Incorporation: Alabama Secretary of State

Incorporation Date: 1989-04-25

Company Identification Number: 130-431

Legal Registered Office Address: HIGHWAY 231 SOUTH PELL CITY,

United States of America (USA)
35125

More information about METRO BANK

Form 5500 Filing Information

Submission information for form 5500 for 401k plan METRO BANK RETIREMENT SAVINGS PLAN

Plan id# Filing Submission Date Name of Administrator Date Administrator Signed Name of Company Sponsor Date Sponsor Signed
001 2014-01-01 CHRISTINE PAVLAKOVICH
001 2013-01-01 CHRISTINE PAVLAKOVICH
001 2012-01-01 CHRISTINE PAVLAKOVICH
001 2011-01-01 CHRISTINE PAVLAKOVICH
001 2009-01-01 CHRISTINE PAVLAKOVICH

Plan id#	Filing Submission Date	Name of Administrator
001	2014-01-01	CHRISTINE PAVLAKOVICH
001	2013-01-01	CHRISTINE PAVLAKOVICH
001	2012-01-01	CHRISTINE PAVLAKOVICH
001	2011-01-01	CHRISTINE PAVLAKOVICH
001	2009-01-01	CHRISTINE PAVLAKOVICH

Plan Statistics for METRO BANK RETIREMENT SAVINGS PLAN

401k plan membership statisitcs for METRO BANK RETIREMENT SAVINGS PLAN

Measure Date Value
2014: METRO BANK RETIREMENT SAVINGS PLAN 2014 401k membership
Total participants, beginning-of-year 2014-01-01 825
Total number of active participants reported on line 7a of the Form 5500 2014-01-01 591
Number of retired or separated participants receiving benefits 2014-01-01 0
Number of other retired or separated participants entitled to future benefits 2014-01-01 103
Total of all active and inactive participants 2014-01-01 694
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2014-01-01 1
Total participants 2014-01-01 695
Number of participants with account balances 2014-01-01 492
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2014-01-01 4
2013: METRO BANK RETIREMENT SAVINGS PLAN 2013 401k membership
Total participants, beginning-of-year 2013-01-01 796
Total number of active participants reported on line 7a of the Form 5500 2013-01-01 629
Number of retired or separated participants receiving benefits 2013-01-01 0
Number of other retired or separated participants entitled to future benefits 2013-01-01 103
Total of all active and inactive participants 2013-01-01 732
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2013-01-01 1
Total participants 2013-01-01 733
Number of participants with account balances 2013-01-01 490
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2013-01-01 2
2012: METRO BANK RETIREMENT SAVINGS PLAN 2012 401k membership
Total participants, beginning-of-year 2012-01-01 774
Total number of active participants reported on line 7a of the Form 5500 2012-01-01 613
Number of retired or separated participants receiving benefits 2012-01-01 0
Number of other retired or separated participants entitled to future benefits 2012-01-01 110
Total of all active and inactive participants 2012-01-01 723
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2012-01-01 1
Total participants 2012-01-01 724
Number of participants with account balances 2012-01-01 488
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2012-01-01 17
2011: METRO BANK RETIREMENT SAVINGS PLAN 2011 401k membership
Total participants, beginning-of-year 2011-01-01 788
Total number of active participants reported on line 7a of the Form 5500 2011-01-01 586
Number of retired or separated participants receiving benefits 2011-01-01 0
Number of other retired or separated participants entitled to future benefits 2011-01-01 99
Total of all active and inactive participants 2011-01-01 685
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2011-01-01 1
Total participants 2011-01-01 686
Number of participants with account balances 2011-01-01 459
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2011-01-01 48
2009: METRO BANK RETIREMENT SAVINGS PLAN 2009 401k membership
Total participants, beginning-of-year 2009-01-01 838
Total number of active participants reported on line 7a of the Form 5500 2009-01-01 685
Number of retired or separated participants receiving benefits 2009-01-01 0
Number of other retired or separated participants entitled to future benefits 2009-01-01 108
Total of all active and inactive participants 2009-01-01 793
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2009-01-01 0
Total participants 2009-01-01 793
Number of participants with account balances 2009-01-01 490
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2009-01-01 42

Measure	Date	Value
2014: METRO BANK RETIREMENT SAVINGS PLAN 2014 401k membership
Total participants, beginning-of-year	2014-01-01	825
Total number of active participants reported on line 7a of the Form 5500	2014-01-01	591
Number of retired or separated participants receiving benefits	2014-01-01	0
Number of other retired or separated participants entitled to future benefits	2014-01-01	103
Total of all active and inactive participants	2014-01-01	694
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2014-01-01	1
Total participants	2014-01-01	695
Number of participants with account balances	2014-01-01	492
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2014-01-01	4
2013: METRO BANK RETIREMENT SAVINGS PLAN 2013 401k membership
Total participants, beginning-of-year	2013-01-01	796
Total number of active participants reported on line 7a of the Form 5500	2013-01-01	629
Number of retired or separated participants receiving benefits	2013-01-01	0
Number of other retired or separated participants entitled to future benefits	2013-01-01	103
Total of all active and inactive participants	2013-01-01	732
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2013-01-01	1
Total participants	2013-01-01	733
Number of participants with account balances	2013-01-01	490
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2013-01-01	2
2012: METRO BANK RETIREMENT SAVINGS PLAN 2012 401k membership
Total participants, beginning-of-year	2012-01-01	774
Total number of active participants reported on line 7a of the Form 5500	2012-01-01	613
Number of retired or separated participants receiving benefits	2012-01-01	0
Number of other retired or separated participants entitled to future benefits	2012-01-01	110
Total of all active and inactive participants	2012-01-01	723
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2012-01-01	1
Total participants	2012-01-01	724
Number of participants with account balances	2012-01-01	488
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2012-01-01	17
2011: METRO BANK RETIREMENT SAVINGS PLAN 2011 401k membership
Total participants, beginning-of-year	2011-01-01	788
Total number of active participants reported on line 7a of the Form 5500	2011-01-01	586
Number of retired or separated participants receiving benefits	2011-01-01	0
Number of other retired or separated participants entitled to future benefits	2011-01-01	99
Total of all active and inactive participants	2011-01-01	685
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2011-01-01	1
Total participants	2011-01-01	686
Number of participants with account balances	2011-01-01	459
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2011-01-01	48
2009: METRO BANK RETIREMENT SAVINGS PLAN 2009 401k membership
Total participants, beginning-of-year	2009-01-01	838
Total number of active participants reported on line 7a of the Form 5500	2009-01-01	685
Number of retired or separated participants receiving benefits	2009-01-01	0
Number of other retired or separated participants entitled to future benefits	2009-01-01	108
Total of all active and inactive participants	2009-01-01	793
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2009-01-01	0
Total participants	2009-01-01	793
Number of participants with account balances	2009-01-01	490
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2009-01-01	42

Financial Data on METRO BANK RETIREMENT SAVINGS PLAN

Measure	Date	Value
2014 : METRO BANK RETIREMENT SAVINGS PLAN 2014 401k financial data
Total unrealized appreciation/depreciation of assets	2014-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2014-12-31	$341
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2014-12-31	$287
Total income from all sources (including contributions)	2014-12-31	$3,210,540
Total loss/gain on sale of assets	2014-12-31	$0
Total of all expenses incurred	2014-12-31	$1,986,638
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2014-12-31	$1,969,137
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2014-12-31	$2,211,167
Value of total assets at end of year	2014-12-31	$16,563,106
Value of total assets at beginning of year	2014-12-31	$15,339,150
Total of administrative expenses incurred including professional, contract, advisory and management fees	2014-12-31	$17,501
Total interest from all sources	2014-12-31	$58
Total dividends received (eg from common stock, registered investment company shares)	2014-12-31	$500,264
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2014-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2014-12-31	$500,264
Administrative expenses professional fees incurred	2014-12-31	$17,501
Was this plan covered by a fidelity bond	2014-12-31	Yes
Value of fidelity bond cover	2014-12-31	$10,000,000
If this is an individual account plan, was there a blackout period	2014-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2014-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2014-12-31	No
Contributions received from participants	2014-12-31	$1,405,679
Income. Received or receivable in cash from other sources (including rollovers)	2014-12-31	$18,498
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at end of year	2014-12-31	$71
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2014-12-31	$27
Liabilities. Value of operating payables at end of year	2014-12-31	$270
Liabilities. Value of operating payables at beginning of year	2014-12-31	$260
Total non interest bearing cash at end of year	2014-12-31	$270
Total non interest bearing cash at beginning of year	2014-12-31	$508
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2014-12-31	No
Value of net income/loss	2014-12-31	$1,223,902
Value of net assets at end of year (total assets less liabilities)	2014-12-31	$16,562,765
Value of net assets at beginning of year (total assets less liabilities)	2014-12-31	$15,338,863
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2014-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2014-12-31	No
Were any leases to which the plan was party in default or uncollectible	2014-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2014-12-31	$15,948,551
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2014-12-31	$14,796,199
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2014-12-31	$614,285
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2014-12-31	$542,443
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2014-12-31	$542,443
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2014-12-31	$58
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2014-12-31	$499,051
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2014-12-31	No
Was there a failure to transmit to the plan any participant contributions	2014-12-31	No
Has the plan failed to provide any benefit when due under the plan	2014-12-31	No
Contributions received in cash from employer	2014-12-31	$786,990
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2014-12-31	$1,969,137
Did the plan have assets held for investment	2014-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2014-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2014-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2014-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2014-12-31	Disclaimer
Accountancy firm name	2014-12-31	BDO USA LLP
Accountancy firm EIN	2014-12-31	135381590
2013 : METRO BANK RETIREMENT SAVINGS PLAN 2013 401k financial data
Total unrealized appreciation/depreciation of assets	2013-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2013-12-31	$287
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2013-12-31	$220
Total income from all sources (including contributions)	2013-12-31	$4,522,903
Total loss/gain on sale of assets	2013-12-31	$0
Total of all expenses incurred	2013-12-31	$1,199,809
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2013-12-31	$1,152,749
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2013-12-31	$2,106,269
Value of total assets at end of year	2013-12-31	$15,339,150
Value of total assets at beginning of year	2013-12-31	$12,015,989
Total of administrative expenses incurred including professional, contract, advisory and management fees	2013-12-31	$47,060
Total interest from all sources	2013-12-31	$57
Total dividends received (eg from common stock, registered investment company shares)	2013-12-31	$393,790
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2013-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2013-12-31	$393,790
Administrative expenses professional fees incurred	2013-12-31	$39,027
Was this plan covered by a fidelity bond	2013-12-31	Yes
Value of fidelity bond cover	2013-12-31	$10,000,000
If this is an individual account plan, was there a blackout period	2013-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2013-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2013-12-31	No
Contributions received from participants	2013-12-31	$1,331,668
Income. Received or receivable in cash from other sources (including rollovers)	2013-12-31	$30,376
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at end of year	2013-12-31	$27
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2013-12-31	$0
Liabilities. Value of operating payables at end of year	2013-12-31	$260
Liabilities. Value of operating payables at beginning of year	2013-12-31	$220
Total non interest bearing cash at end of year	2013-12-31	$508
Total non interest bearing cash at beginning of year	2013-12-31	$220
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2013-12-31	No
Value of net income/loss	2013-12-31	$3,323,094
Value of net assets at end of year (total assets less liabilities)	2013-12-31	$15,338,863
Value of net assets at beginning of year (total assets less liabilities)	2013-12-31	$12,015,769
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2013-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2013-12-31	No
Were any leases to which the plan was party in default or uncollectible	2013-12-31	No
Investment advisory and management fees	2013-12-31	$8,033
Value of interest in registered invesment companies (eg mutual funds) at end of year	2013-12-31	$14,796,199
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2013-12-31	$11,476,675
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2013-12-31	$542,443
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2013-12-31	$539,094
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2013-12-31	$539,094
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2013-12-31	$57
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2013-12-31	$2,022,787
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2013-12-31	No
Was there a failure to transmit to the plan any participant contributions	2013-12-31	No
Has the plan failed to provide any benefit when due under the plan	2013-12-31	No
Assets. Invements in employer securities at end of year	2013-12-31	$0
Assets. Invements in employer securities at beginning of year	2013-12-31	$0
Contributions received in cash from employer	2013-12-31	$744,225
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2013-12-31	$1,152,749
Did the plan have assets held for investment	2013-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2013-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2013-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2013-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2013-12-31	Disclaimer
Accountancy firm name	2013-12-31	BDO USA LLP
Accountancy firm EIN	2013-12-31	135381590
2012 : METRO BANK RETIREMENT SAVINGS PLAN 2012 401k financial data
Total unrealized appreciation/depreciation of assets	2012-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2012-12-31	$220
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2012-12-31	$479
Total income from all sources (including contributions)	2012-12-31	$3,537,730
Total loss/gain on sale of assets	2012-12-31	$0
Total of all expenses incurred	2012-12-31	$742,324
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2012-12-31	$684,538
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2012-12-31	$2,004,697
Value of total assets at end of year	2012-12-31	$12,015,989
Value of total assets at beginning of year	2012-12-31	$9,220,842
Total of administrative expenses incurred including professional, contract, advisory and management fees	2012-12-31	$57,786
Total interest from all sources	2012-12-31	$44
Total dividends received (eg from common stock, registered investment company shares)	2012-12-31	$460,340
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2012-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2012-12-31	$460,340
Administrative expenses professional fees incurred	2012-12-31	$52,060
Was this plan covered by a fidelity bond	2012-12-31	Yes
Value of fidelity bond cover	2012-12-31	$10,000,000
If this is an individual account plan, was there a blackout period	2012-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2012-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2012-12-31	No
Contributions received from participants	2012-12-31	$1,268,137
Income. Received or receivable in cash from other sources (including rollovers)	2012-12-31	$36,652
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at end of year	2012-12-31	$0
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2012-12-31	$339
Liabilities. Value of operating payables at end of year	2012-12-31	$220
Liabilities. Value of operating payables at beginning of year	2012-12-31	$140
Total non interest bearing cash at end of year	2012-12-31	$220
Total non interest bearing cash at beginning of year	2012-12-31	$479
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2012-12-31	No
Value of net income/loss	2012-12-31	$2,795,406
Value of net assets at end of year (total assets less liabilities)	2012-12-31	$12,015,769
Value of net assets at beginning of year (total assets less liabilities)	2012-12-31	$9,220,363
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2012-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2012-12-31	No
Were any leases to which the plan was party in default or uncollectible	2012-12-31	No
Investment advisory and management fees	2012-12-31	$5,726
Value of interest in registered invesment companies (eg mutual funds) at end of year	2012-12-31	$11,476,675
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2012-12-31	$8,825,824
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2012-12-31	$539,094
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2012-12-31	$394,539
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2012-12-31	$394,539
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2012-12-31	$44
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2012-12-31	$1,072,649
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2012-12-31	No
Was there a failure to transmit to the plan any participant contributions	2012-12-31	No
Has the plan failed to provide any benefit when due under the plan	2012-12-31	No
Assets. Invements in employer securities at end of year	2012-12-31	$0
Assets. Invements in employer securities at beginning of year	2012-12-31	$0
Contributions received in cash from employer	2012-12-31	$699,908
Employer contributions (assets) at end of year	2012-12-31	$0
Employer contributions (assets) at beginning of year	2012-12-31	$0
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2012-12-31	$684,538
Did the plan have assets held for investment	2012-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2012-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2012-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2012-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2012-12-31	Disclaimer
Accountancy firm name	2012-12-31	BDO USA LLP
Accountancy firm EIN	2012-12-31	135381590
2011 : METRO BANK RETIREMENT SAVINGS PLAN 2011 401k financial data
Total unrealized appreciation/depreciation of assets	2011-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2011-12-31	$479
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2011-12-31	$0
Total income from all sources (including contributions)	2011-12-31	$1,345,449
Total loss/gain on sale of assets	2011-12-31	$-35,221
Total of all expenses incurred	2011-12-31	$1,172,103
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2011-12-31	$1,162,949
Value of total corrective distributions	2011-12-31	$9,014
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2011-12-31	$1,776,322
Value of total assets at end of year	2011-12-31	$9,220,842
Value of total assets at beginning of year	2011-12-31	$9,047,017
Total of administrative expenses incurred including professional, contract, advisory and management fees	2011-12-31	$140
Total interest from all sources	2011-12-31	$58
Total dividends received (eg from common stock, registered investment company shares)	2011-12-31	$235,878
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2011-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2011-12-31	$235,878
Was this plan covered by a fidelity bond	2011-12-31	Yes
Value of fidelity bond cover	2011-12-31	$10,000,000
If this is an individual account plan, was there a blackout period	2011-12-31	Yes
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2011-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2011-12-31	No
Contributions received from participants	2011-12-31	$1,122,633
Income. Received or receivable in cash from other sources (including rollovers)	2011-12-31	$25,083
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at end of year	2011-12-31	$339
Administrative expenses (other) incurred	2011-12-31	$140
Liabilities. Value of operating payables at end of year	2011-12-31	$140
Total non interest bearing cash at end of year	2011-12-31	$479
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2011-12-31	No
Value of net income/loss	2011-12-31	$173,346
Value of net assets at end of year (total assets less liabilities)	2011-12-31	$9,220,363
Value of net assets at beginning of year (total assets less liabilities)	2011-12-31	$9,047,017
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2011-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2011-12-31	No
Were any leases to which the plan was party in default or uncollectible	2011-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2011-12-31	$8,825,824
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2011-12-31	$7,964,569
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2011-12-31	$394,539
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2011-12-31	$565,296
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2011-12-31	$565,296
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2011-12-31	$58
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2011-12-31	$-631,588
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2011-12-31	No
Was there a failure to transmit to the plan any participant contributions	2011-12-31	No
Has the plan failed to provide any benefit when due under the plan	2011-12-31	No
Assets. Invements in employer securities at end of year	2011-12-31	$0
Assets. Invements in employer securities at beginning of year	2011-12-31	$167,033
Contributions received in cash from employer	2011-12-31	$628,606
Employer contributions (assets) at end of year	2011-12-31	$0
Employer contributions (assets) at beginning of year	2011-12-31	$350,119
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2011-12-31	$1,162,949
Was the provided the required notice or one of the exceptions to providing the black out period notice applied under 29 CFR 2520.101-3	2011-12-31	Yes
Did the plan have assets held for investment	2011-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2011-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2011-12-31	No
Aggregate proceeds on sale of assets	2011-12-31	$139,478
Aggregate carrying amount (costs) on sale of assets	2011-12-31	$174,699
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2011-12-31	No
Opinion of an independent qualified public accountant for this plan	2011-12-31	Unqualified
Accountancy firm name	2011-12-31	PARENTEBEARD LLC
Accountancy firm EIN	2011-12-31	232932984
2010 : METRO BANK RETIREMENT SAVINGS PLAN 2010 401k financial data
Unrealized appreciation/depreciation of real estate assets	2010-12-31	$0
Unrealized appreciation/depreciation of other (non real estate) assets	2010-12-31	$-23,600
Total unrealized appreciation/depreciation of assets	2010-12-31	$-23,600
Total transfer of assets to this plan	2010-12-31	$0
Total transfer of assets from this plan	2010-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2010-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2010-12-31	$9,098
Expenses. Interest paid	2010-12-31	$0
Amount of participant contributions which was failed to transmit to the plan within the time period described in 29 CFR 251.3-102	2010-12-31	$0
Total income from all sources (including contributions)	2010-12-31	$2,574,692
Total loss/gain on sale of assets	2010-12-31	$-81
Total of all expenses incurred	2010-12-31	$1,021,633
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2010-12-31	$1,004,773
Expenses. Certain deemed distributions of participant loans	2010-12-31	$0
Value of total corrective distributions	2010-12-31	$16,860
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2010-12-31	$1,572,577
Value of total assets at end of year	2010-12-31	$9,047,017
Value of total assets at beginning of year	2010-12-31	$7,503,056
Total of administrative expenses incurred including professional, contract, advisory and management fees	2010-12-31	$0
Total income from rents	2010-12-31	$0
Total interest from all sources	2010-12-31	$176
Total dividends received (eg from common stock, registered investment company shares)	2010-12-31	$107,511
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2010-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2010-12-31	$107,511
Assets. Real estate other than employer real property at beginning of year	2010-12-31	$0
Administrative expenses professional fees incurred	2010-12-31	$0
Assets. Corporate prefeered stocks other than exployer securities at beginning of year	2010-12-31	$0
Was this plan covered by a fidelity bond	2010-12-31	Yes
Value of fidelity bond cover	2010-12-31	$10,000,000
If this is an individual account plan, was there a blackout period	2010-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2010-12-31	No
Contributions received from participants	2010-12-31	$1,139,605
Participant contributions at beginning of year	2010-12-31	$0
Participant contributions at beginning of year	2010-12-31	$0
Assets. Other investments not covered elsewhere at beginning of year	2010-12-31	$0
Income. Received or receivable in cash from other sources (including rollovers)	2010-12-31	$82,853
Expenses. Other payments made (not to insurance carriers or or participants/beneficiaries)	2010-12-31	$0
Value of other receiveables (less allowance for doubtful accounts) at beginning of year	2010-12-31	$0
Assets. Loans (other than to participants) at beginning of year	2010-12-31	$0
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2010-12-31	$0
Other income not declared elsewhere	2010-12-31	$0
Administrative expenses (other) incurred	2010-12-31	$0
Liabilities. Value of operating payables at beginning of year	2010-12-31	$0
Total non interest bearing cash at beginning of year	2010-12-31	$0
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2010-12-31	No
Income. Non cash contributions	2010-12-31	$0
Value of net income/loss	2010-12-31	$1,553,059
Value of net assets at end of year (total assets less liabilities)	2010-12-31	$9,047,017
Value of net assets at beginning of year (total assets less liabilities)	2010-12-31	$7,493,958
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2010-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2010-12-31	No
Were any leases to which the plan was party in default or uncollectible	2010-12-31	No
Assets. partnership/joint venture interests at beginning of year	2010-12-31	$0
Investment advisory and management fees	2010-12-31	$0
Value of interest in registered invesment companies (eg mutual funds) at end of year	2010-12-31	$7,964,569
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2010-12-31	$6,344,438
Interest on participant loans	2010-12-31	$0
Income. Interest from loans (other than to participants)	2010-12-31	$0
Interest earned on other investments	2010-12-31	$0
Income. Interest from US Government securities	2010-12-31	$0
Income. Interest from corporate debt instruments	2010-12-31	$0
Value of interest in master investment trust accounts at beginning of year	2010-12-31	$0
Value of interest in common/collective trusts at beginning of year	2010-12-31	$0
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2010-12-31	$565,296
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2010-12-31	$555,622
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2010-12-31	$555,622
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2010-12-31	$176
Assets. Value of investments in 103.12 investment entities at beginning of year	2010-12-31	$0
Expenses. Payments to insurance carriers foe the provision of benefits	2010-12-31	$0
Asset value of US Government securities at beginning of year	2010-12-31	$0
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2010-12-31	$918,109
Net investment gain/loss from pooled separate accounts	2010-12-31	$0
Net investment gain or loss from common/collective trusts	2010-12-31	$0
Net gain/loss from 103.12 investment entities	2010-12-31	$0
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2010-12-31	No
Was there a failure to transmit to the plan any participant contributions	2010-12-31	No
Has the plan failed to provide any benefit when due under the plan	2010-12-31	No
Assets. Invements in employer securities at end of year	2010-12-31	$167,033
Assets. Invements in employer securities at beginning of year	2010-12-31	$199,724
Assets. Value of employer real property at beginning of year	2010-12-31	$0
Contributions received in cash from employer	2010-12-31	$350,119
Employer contributions (assets) at end of year	2010-12-31	$350,119
Employer contributions (assets) at beginning of year	2010-12-31	$403,272
Income. Dividends from preferred stock	2010-12-31	$0
Income. Dividends from common stock	2010-12-31	$0
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2010-12-31	$1,004,773
Asset. Corporate debt instrument preferred debt at beginning of year	2010-12-31	$0
Asset. Corporate debt instrument debt (other) at beginning of year	2010-12-31	$0
Contract administrator fees	2010-12-31	$0
Assets. Corporate common stocks other than exployer securities at beginning of year	2010-12-31	$0
Liabilities. Value of benefit claims payable at beginning of year	2010-12-31	$9,098
Assets. Value of buildings and other operty used in plan operation at beginning of year	2010-12-31	$0
Did the plan have assets held for investment	2010-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2010-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2010-12-31	No
Aggregate proceeds on sale of assets	2010-12-31	$20,765
Aggregate carrying amount (costs) on sale of assets	2010-12-31	$20,846
Liabilities. Value of acquisition indebtedness at beginning of year	2010-12-31	$0
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2010-12-31	No
Opinion of an independent qualified public accountant for this plan	2010-12-31	Unqualified
Accountancy firm name	2010-12-31	PARENTEBEARD LLC
Accountancy firm EIN	2010-12-31	232932984

Form 5500 Responses for METRO BANK RETIREMENT SAVINGS PLAN

2014: METRO BANK RETIREMENT SAVINGS PLAN 2014 form 5500 responses
2014-01-01	Type of plan entity	Single employer plan
2014-01-01	Submission has been amended	No
2014-01-01	This submission is the final filing	No
2014-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2014-01-01	Plan is a collectively bargained plan	No
2014-01-01	Plan funding arrangement – Trust	Yes
2014-01-01	Plan benefit arrangement - Trust	Yes
2013: METRO BANK RETIREMENT SAVINGS PLAN 2013 form 5500 responses
2013-01-01	Type of plan entity	Single employer plan
2013-01-01	Submission has been amended	No
2013-01-01	This submission is the final filing	No
2013-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2013-01-01	Plan is a collectively bargained plan	No
2013-01-01	Plan funding arrangement – Trust	Yes
2013-01-01	Plan benefit arrangement - Trust	Yes
2012: METRO BANK RETIREMENT SAVINGS PLAN 2012 form 5500 responses
2012-01-01	Type of plan entity	Single employer plan
2012-01-01	Submission has been amended	No
2012-01-01	This submission is the final filing	No
2012-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2012-01-01	Plan is a collectively bargained plan	No
2012-01-01	Plan funding arrangement – Trust	Yes
2012-01-01	Plan benefit arrangement - Trust	Yes
2011: METRO BANK RETIREMENT SAVINGS PLAN 2011 form 5500 responses
2011-01-01	Type of plan entity	Single employer plan
2011-01-01	Submission has been amended	No
2011-01-01	This submission is the final filing	No
2011-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2011-01-01	Plan is a collectively bargained plan	No
2011-01-01	Plan funding arrangement – Trust	Yes
2011-01-01	Plan benefit arrangement - Trust	Yes
2009: METRO BANK RETIREMENT SAVINGS PLAN 2009 form 5500 responses
2009-01-01	Type of plan entity	Single employer plan
2009-01-01	Submission has been amended	No
2009-01-01	This submission is the final filing	No
2009-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2009-01-01	Plan is a collectively bargained plan	No
2009-01-01	Plan funding arrangement – Trust	Yes
2009-01-01	Plan benefit arrangement - Trust	Yes

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Company Name:	METRO BANK
Employer identification number (EIN):	232324730
NAIC Classification:	522110
NAIC Description:	Commercial Banking

Jurisdiction of Incorporation:	Alabama Secretary of State
Incorporation Date:	1989-04-25
Company Identification Number:	130-431
Legal Registered Office Address:	HIGHWAY 231 SOUTH PELL CITY, United States of America (USA) 35125