Note 7 - Regulatory Matters

9 Months Ended

Sep. 30, 2013

Disclosure Text Block [Abstract]

Regulatory Capital Requirements under Banking Regulations [Text Block]

7.     REGULATORY MATTERS

The Banks are subject to regulations and, among others things, may be limited in their ability to pay dividends or otherwise transfer funds to the holding company.  In addition, dividends paid by the Banks to the Parent would be prohibited if the effect thereof would cause the Banks’ capital to be reduced below applicable minimum capital requirements.

As of September 30, 2013, the most recent notifications from the OCC with respect to MetroBank, and the CDBO with respect to Metro United categorized the Banks as “well capitalized” under the regulatory framework for prompt corrective action. There are no conditions or events since the notifications that management believes have changed the Banks’ level of capital adequacy.

The Company’s and the Banks’ actual capital amounts and ratios as of the dates indicated are presented in the following table (dollars in thousands):

		Actual				Minimum Required For Capital Adequacy Purposes				To be Categorized as Well Capitalized under Prompt Corrective Action Provisions
		Amount	Ratio			Amount	Ratio			Amount		Ratio
						(Dollars in thousands)
As of September 30, 2013
Total risk-based capital ratio
MetroCorp Bancshares, Inc.	$	221,088	17.22	%	$	102,719	8.00	%	$	N/A		N/A	%
MetroBank, N.A.		152,143	16.40			74,199	8.00			92,749		10.00
Metro United Bank		55,536	15.67			28,351	8.00			35,439		10.00
Tier 1 risk-based capital ratio
MetroCorp Bancshares, Inc.		204,969	15.96			51,359	4.00		N/A		N/A
MetroBank, N.A.		140,511	15.15			37,099	4.00			55,649		6.00
Metro United Bank		51,076	14.41			14,176	4.00			21,263		6.00
Leverage ratio
MetroCorp Bancshares, Inc.		204,969	12.85			63,801	4.00		N/A		N/A
MetroBank, N.A.		140,511	12.33			45,587	4.00			56,984		5.00
Metro United Bank		51,076	11.16			18,299	4.00			22,873		5.00
As of December 31, 2012
Total risk-based capital ratio
MetroCorp Bancshares, Inc.	$	212,083	17.95	%	$	94,509	8.00	%	$	N/A		N/A	%
MetroBank, N.A.		152,613	17.80			68,587	8.00			85,734		10.00
Metro United Bank		52,714	16.34			25,814	8.00			32,267		10.00
Tier 1 risk-based capital ratio
MetroCorp Bancshares, Inc.		197,077	16.68			47,255	4.00		N/A		N/A
MetroBank, N.A.		141,702	16.53			34,293	4.00			51,440		6.00
Metro United Bank		48,636	15.07			12,907	4.00			19,360		6.00
Leverage ratio
MetroCorp Bancshares, Inc.		197,077	13.18			59,812	4.00		N/A		N/A
MetroBank, N.A.		141,702	12.70			44,613	4.00			55,766		5.00
Metro United Bank		48,636	12.76			15,243	4.00			19,053		5.00