QVACA t 1 - Federal Reserve Bank of Chicago
Transcripción
QVACA t 1 - Federal Reserve Bank of Chicago
FRY-6 COPY OMB Number 7100-0297 Approval expires December 31, 2015 Page 1 of 2 Board of Governors of the Federal Reserve System Annual Report of Holding .Companies-FR Y-6 Report at the close of business as of the end of fiscal year This Report is required by law: Section 5(c)(1)(A) of the Bank Holding Company Act (12 U.S.C. § 1844 (c)(1)(A)); Section 8(a) of the International Banking Act (12 U.S.C. § 3106(a)); Sections 11(a)(1), 25 and 25A of the Federal Reserve Act (12 U.S.C. §§ 248(a)(1), 602, and 611a); Section 211.13(c) of Regulation K (12 C.F.R. § 211.13(c)); and Section 225.5(b) of Regulation Y (12 C.F.R. § 225.5(b)) and section 10(c)(2)(H) of the Home Owners' Loan Act. Return to the appropriate Federal Reserve Bank the original and the number of copies specified. This report form is to be filed by all top-tier bank holding compa nies and top-tier savings and loan holding companies organized under U.S. law, and by any foreign banking organization that does not meet the requirements of and is not treated as a qualify ing foreign banking organization under Section 211.23 of Regulation K (12 C.F.R. § 211.23). (See page one of the general instructions for more detail of who must file.) The Federal Reserve may not conduct or sponsor, and an organization (or a person) is not required to respond to, an information collection unless it displays a currently valid OMB control number. NOTE: The Annual Report of Holding Companies must be signed by one director of the top-tier holding company. This individual should also be a senior official of the top-tier holding company. In the event that the top-tier holding company does not have an individual who is a senior official and is also a director, the chair man of the board must sign the report. Date of Report (top-tier holding company's fiscal year-end): 1, Alberto Paracchini Name of the Holding Company Director and Official President and CEO December 31, 2014 Month I Day I Year n/a Reporter's Legal Entity Identifier (LEI) (20-Character LEI Code) Reporter's Name, Street, and Mailing Address Metropolitan Bank Group, Inc. Legal Title of Holding Company Title of the Holding Company Director and Official attest that the Annual Report of Holding Companies (including the supporting attachments) for this report date has been pre pared in conformance with the instructions issued by the Federal Reserve System and are true and correct to the best of my knowledge and belief. With respect to information regarding individuals contained in this report, the Reporter certifies that it has the authorti y to provide this information to the Federal Reserve. The Reporter also certife i s 180 N. LaSalle St., Suite 300 (Mailing Address of the Holding Company) Street I P.O. Box Chicago IL _6_ 06__ 01 City State Zip Code Physical Location (if different from mailing address) Person to whom questions about this report should be directed: that it has the authority, on behalf of each individual, to consent or William Tabaka object to public release of information regarding that individual. The Federal Reserve may assume, in the absence of a request for Name Area Code that the Reporter and individual consent to public release of all details in the report concerning that individual. Area Code I FAX Number Q VACA t� 1::-� � �la• (rs I Phone Number I Extension 773-843-7832 [email protected] E-mail Address www.bylinebank.com Address (URL) for the Holding Company's web page Date of Signature For holding companies []Qi registered with the SECIndicate status of Annual Report to Shareholders: D 1:8:1 D -=S....:.V.:....:P.:..:/C::..:F.:..:O=---Title 773-475-2961 confidential treatment submitted in accordance with the Board's "Rules Regarding Availability of Information," 12 C.FR. Part 261, Signature of Holding Company Director and Official ___ _ is included with the FR Y-6 report Does the reporter request confidenta i l treatment for any portion of this submission? [8J Yes Please identify the report items to which this request applies: will be sent under separate cover [8] In accordance with the instructions on pages GEN-2 is not prepared For Federal Reserve Bank Use Only RSSDID C.I. 18f/1-/h � L_ I and 3, a letter justifying the request is being provided. [8J The information for which confidential treatment is sought is being submitted separately labeled "Confidential." 7 Public reporting burden for this information collection is estimated to vary from 1.3 to 101 hours per response, with an average of 5.25 hours per response, including time to gather and . maintain data in the required form and to review instructions and complete the information collection. Send comments regarding this burden estimate or any other aspect of this collection of Information, including suggestions for reducing this burden to: Secretary, Board of Governors of !he Federal Reserve System, 20th and C Streets, NW, Washington, DC 20551, and to the Office of Management and Budget, Paperwork Reduction Project (7100-0297), Washington, DC 20503. 1012014 Report of a·ndependent Auditors & Consolidated Financial Statements December 31, 2014 and �013 Byline Bancorp,, Inc. .. :: -- .. ..: -. --: -::: :· . - --=:--: ·. . ·. : · . -: � .· ; . . -- ..- -·..·:. , ..... • . CONTENTS PAGE REPORT OF INDEPENDENT AUDITORS 1-2 CONSOLJDATED FINANCIAL STATEMENTS Statements of financial condition State�ents ofincome (loss) Statements of comprehensive income (Joss) Statements of changes in shareholders' equity Statements of cash flows Notes to financial statements .. - - --·--·-·· :.. ·-------· -:-:--:--::::.:::;:;::.·.::·�;-_.,,. 7 3 4 s s 6-7 s-ss· REPORT OF INDEPENDENT AUDITORS To the Shareholders and the Board of Directors Byline Bancorp, Inc:. and Subsidiary Chicago, Illi nois Report on Financial Statements We have a udjted the accompanying consolidated financial statements of Byline Bancorp, Inc. and Subsidiary (the Company), which comprise the consolidated statements of financial condition as of D ec ember 31, 2014 and 2013, and the related consoHdate d statements of income (loss), changes in shareholders' equity, comprehensive income (loss), and cash flows for the year ended December 31, 2014 and for the period from June 28, 2013 related notes to the financial statements. [date of recapitalization) to December 31, 2013, and the Management's Responsibilityfor the Financial Statements Mana gement is responsible for the prep aration and fair presentation of these consolidated financial statements in accordance with accounting principles generally accepted in the United Stat es of Am erica; this includes the design, implementation, an d maintenance of internal control relevant to the preparation and fair presentation of consolidated fmancial statements that are free from m ate ria l misstatement, whether due to fraud or error. Auditor's Responsibility Our responsibility is to express an opini on on these consolidated financial statements based on our audits. We conducted our audits in accordance with auditing standards generally accepted in the United States of America. T hose standards require that we plan and perfo rm the audits to obtain reasonable assurance about whether the consolidated financial s tatements are free from material misstatemen t An audit involves performing procedures to obtain audit evidence about the amounts and disclosures in the consolidated financial statements. The procedures .selected depend on the auditor's judgm ent, including the assessment of the risks of material misstatement of the co ns olidated financial statements, whether due to fraud or err o r. In making those risk assessments, the auditor consi ders internal control relevant to the entity's preparati on and fatr presentation of the consolidated financial statements in order to d esign audit procedures that are appropri ate in the circumstances, but not for the :purpose of exp res sing an opinion on the effectiveness of tbe entity' s internal control. Accordingly, we e:>."])ress no such opinion. An audit also includes evaluating the appropriateness of a�counting policies �ed and the reaso nabl en ess of significant accounting estimates made by manag ement; as well as evaluating the overall presentation of the consolidated financial statements. 1 ......:f·. -�-=::;.:·!{:t':O:;., ..-: •• .·•.:.. �:\(;; ·----------·--- -�::.:·. . ___, _____ ·- --·-·· - - · >.��!· ' REPORT OF INDEPENDENT AUDITORS (continued) Opinion In our opinion, the consolidated financial statements referred to above present fairly, in all material respects, the consolidated financial position of Byline Bancorp, Inc. and Subsidiary as of December 31, 2014 and 2013,·and the consolidated results oftbeir operations and their cash flows for the year en ded December 31, 2014 and for the period from June 28, 2013 (date of recapitalization} to December 31, 2013 in accordance with accounting principles generally accepted in the United States ofAmerica. Portland, Oregon April 2, 2015 2 "!' '· · •• ..··�·-;. .·: ·.· .; . . -·---.:::=�� I ! I BYLINE BANCORP, INC. AND SUBSIDIARY CONSOLIDATED STATEJ'1ENTS OF FINANCIAL CONDITION . DECEMBER 31, (dollars in thousands, except per share amounts] 2014 AND Z014 ASSETS $ Cash and due from banks Interest bearlng deposits v.r:lth other hanks Cash and cash .equivalents 231372 133,281 2013 s 156,653 Securities .available-for-sale atfair value Loans and leases, net 680,960 321,871 1,280,175 1,183,756 5,046 7.,484 l,062 4,510 Accrned!nterestret:eivable 7,4B4 Federal Home Loan Bank stock at cost Premises and equipmertt net 121,416 Other real estate owned1 net Goodi.vill Otherintangib1€ assets, net Other assets Total assets ZZ,599 64 8,083 670,682 8,413 351 Securities he1d-to-maturity at amortized cost Loans: held for sale 2013 123,471 56,181 61.519 25,613 Zl,166 25,278 ZB,215 9,415 6,540 $ 2,376,449 $ 602,902 590,719 961,721 935,726 $ 2,430,812 UABILlTl!iS AND SHAREHOLDERS' EQUITY L!ABILJTIES Non-Interest bearing demand deposits Interest bearing deposits: NOliV, savings accol.mts, and mon ey market accounts Time deposits Total deposits Ac<:rued interest payable Securities sold under agreemen� to repurchase 535,434 642,752 2,100,057 2,169,197 5,593 4,151 9,677 10,n2 2 3,767 Trust preferred securities · Other !!abilities Total l!ablllties 22,747 27,229 17,230 2,167,378 2,223.002 15,003 15,003 193,729 193,729 COMMITMENTS AND CONTINGENT 1!ABILJTJES (Note 18) SHAREHOLDERS' EQDJTY Non-crrmulative perpetual preforred stock; $0.01 par value; 1,000,000 shares authorized, 15,003 Serles E shares issued; llquidatlon preference, nan·voting, and redeemable at Company op ti on Dn or after ]Ulyl, 2016 common stock;- voting no pax value: 150,000,000 shares authorized, 86,664,294 shares issued and outstanding Common stock non·votlng no par value; 10,000,000 shares authorized; no shares issued Retained earnings (aronnulated deficit} · (B22] Accumulated other comprehensive in<:ome (Joss), net of tax Total shareholders' equity Total liabilities and shareholders' equity See accompanying notes- 465 (l,387) 1,161 207,810 209,071 $ 2,376,449 $ 2,430,812 3 i l1 I I II /. i I I ! I ! I I I i ! BYLINE BANCORP, INC. AND SUBSIDIARY CONSOLIDATED STATEMENTS OF INCOME (LOSS) FOR THE YEAR ENDED DECEMBER 31, 2014 AND FOR THE PERIOD FROM JUNE 28, 2013 (DATE OF RECAPITALIZATION) TO DECEMBER 31, 20l3 (dollars in thousands) JNTEREST INCOME ·mrerestand fees on loans and leases Intereston securities Other interest income Total interestincome 2014 $ 78,792 9,B45 999 2013 $ 43,018 3,288 925 89,636 47,231 3,040 2,506 909 1.210 5,546 2,119 84,090 45,11.2 5,842 842 78,248 44,270 6,878 6,946 10,046 2,539 233 1,657 3,887 3,392 891 287 202 1,597 28,299 10,256 43,612 15,163 2,065 10,442 6,505 7,041 6,706 3,386 2,970 9,944 20,859 6,623 943 6,362 4,402 4,247 2,295 2,264 1;485 4,581 107,834 54,061 INTERES'l' EXPENSE Interest on deposits Intereston borrowings Total interestexpense Net interest income PROVISION FORCRIWITLOSSES Net.interest Income after provision for credit losses NON-JN'fE.RES'l' fNCOME. Fees and service charges on deposits ATM and interchange fees Netga!ns on sales of other real estateovmedandvaluation adjustments Net gains on sa1es of securities available-for-sale Fees on mortgage loan sales, net Other non-lnterestlncome. Total non-interest income NON-INTEREST EXPENSE Salaries and employee benefits Occupancy exp ense, net Equip-meotexpense Loan related expense LegaJ, audit and other professional fees Data processing Other real estate awned expenses, net Regulatnryassessments Amortization ofintangible assets Other non·interestexpense Total non-interest expense INCOME (LOSS) BEFORE PROVISION FOR INCOME TAXES (1,287) 465 PROVJSIDN l'OR INCOME TAXES NE'!' INCOME 4 (LOSS] (1,287) $ 465 See accompanying notes. ;.;Jj ·-----1 ••• BYLINE BANCORP, INC. AND SUBSIDIARY CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS) FOR THE YEAR ENDED DECEMBER31, 2014 AND FOR THE PERIOD FROM JUNE 28, 2013 (DATE OF RECAPITALIZATION) TO DECEMBER 31, 2013 201.4· '(dollarsin thousandsj Net income (loss) $ Other comµrehensi� income (loss): Unrealized gains (l osses) arising during me period on available-for-sale securities Reclassification adjusonents for net gains on available-for-sale securities (1,28z.l 2013 s 5,087 (1,100) (Z87] (2,539] realized in net income Qoss) Income. tax expense Other comprehensive lnco�e Ooss),net oftax 2,548 [1,387) [922) .i IN SHAREHOLDERS' EQUITY iI Comprehensive income (loss) $ CONSOLIDATED STATEIVIENTS OF CHANGES 465 1,261 $ FOR Tll:E YEAR ENDED DECEMBER31, 2014 AND FOR THE PERIOD FROM JUN!;: 28, 2013 (DATE OF RECAPITALIZATION) TO DECEMBER 31, 2013 i I I I r j : I Ii I I I I I ' f1 I l i 5 See accompanying notes. ..· . ( �- ·;...:. ;.·-::,:·.;:.;.; ·x;.·._::: ! BYLINE BANCORP, INC. AND SUBSIDIARY CONSOLIDATED STATEMENTS OF CASH FLOWS FOR THE YEAR ENDED DECEMBER 31, 2014 AND FOR THE PERIOD FROM JUNE 28, 2013 (DATE OF RECAPITALIZATION) TO DECEMBER 31, 2013 (dollars in thousands] 20:l4 CASH FLOWS FROM OP ERATrNG ACTfVITIES Net income (loss) Adjustments to reconcile. netlncome (loss) to net cash from $ (1,287) 2013 s 465 operating activities: Provision for credit losses D epreciatio n Netamortiz:ation ofsecurities on sales of securities available-for-sale Net gains Netgalns (losses] on sales or disposals of premises and equipment Originations ofloans held for sale Proceeds from loans sold Net valuation adjustments on other real estai:.e o�ed Net gains on sales of other real estate owned Amortizat10n of core deposit Intangible assets in assets and liabilities: Accrued interest receivable Other assets 5,842 5,239 2,282 (2,539) 397 (8,858) 9,569 (3,101) (6,945) 2,970 842 2,667 702 (287) (29) (6,559) 6,466 928 (1,819) 1,485 536 (Z,834} 1,442 1,597 1,372 5,031 770 (250) Changes Accrued interest payable Other JI.abilities Net cash from operating activities CASH FLOWS FROM lNVEST!NG ACT!VlTIES Purchases of securities availab1e-for-sale · 11, 784 4,310 Proceeds from maturities and calls of securities avaiJable-for-sale Proceeds from paydowns of sErurities available-for-sale Proceeds from sales ofsecurities available-for-sale Purchases of securities beld-to-maturit:y .Proceeds from paydowns of securities held-to-maturity Net change in loans and leases Purchases of premises and eq_uipment Proceeds from sales ofpremises and equJprnent Proceeds from sales of at.her real estate owned Cash pald In acqulsltlon ofbuslness Net cash from (used in) investing activities [656,405) (164,121) 14,830 5,697 32,165 41,495 67,733 190,903 (8,459] 36 (83,863) (3,501) 62 38,946 (38,221] 127,297 ( 391] 73 31,429 C451,274) 46,979 See accompanying notes. 6 --------··--· . ...... , . .·........-:---, ···-·-·---------. ,..·--·· .·. . . . , .... , . .... .�,.,.. . ·:·.._-.:.:..:;.;..::,;:.•;..:. ..... . . · ·· · ···--- . . . . ..• I I I I I I i \ i BYLINE BANCORP, INC. AND SUBSIDIARY CONSOLIDATED STATEMENTS OJ'. CASH FLOWS FOR THE YEAR ENDED DECEMBER31, 2014AND FOR THE PERIOD FROM JUNE28, Z013 [DATE OF RECAPITALIZATION) TO DECEMBER 31, 2013 (dollars in thousands) 2014 CASH FLOWS FROM FINANClNG ACTIVITIBS Net ·decrease in dep osits Repayment of Federal Home. Loan $ Bank advances 2013 (69,140) $ Cash received in recapitalization transaction Net increase in other borrowings Net cash 2,075 from (used In) financing activities NET CHANGE IN CASH AND CASH EQUIVALENTS $ CASH AND CASH EQUIVALENTS, beglnn!ng ofper!ad CASH AND CASH EQUIVALENTS, end ofperiod SUPPLEMENTAL DJS CLOSURES OF CASH FLOW lNFORMATION: Cash paid during the period for interest (66,937) (5,000) 206,723 552 (67,065) 135,338 (514,029) 194,101 670,682 476,581 $ 156,653 $ 670,682 $ 4,104 s l,34 9 $ (1,387) SUPPLEMENTAL DISCLOSURES OF NON-CASH INVESTING AND FINANCING ACTlVlTIES: C hange in fair value of available-fur-sale securities1 net of tax Transfers of loans to $ otber real estate o wned $ $ Internally financed other real estate m.vned $ Total assets acquired from acquisition or recapitalization $ Total l!abllltles assumed from acquisltlon or recapltalizatlan 495 46,622 8,401 $ $ 5 s 8,072 2,502,554 2,293,822 7 See accompanying notes. .: �· ... :" . . . � ..: . . 2,548 24,057 . Form FR Y-6 Metropolitan Bank Group, Inc. Chicago, Illinois Fiscal Year Ending December 31, 2014 Report Item 2a: Organizational Chart METROPOLITAN BANK GROUP, INC. (incorporated in Illinois) ., .., ·METROPOLITAN ST4,TUT8RYTRUST I 100% (issuer of Trust Preferred Securities) ., NORTH COMMUNITY BANK 180 N. LaSalle St Suite 300, Chicago IL 60601 Incorporated in Illinois . . 100% BFG CORPORATION 721 N. McKinr€v AVe, Lake Forest, IL 60045 Incorporated in Illinois 100% . RHu1t1:A Ii<! of bu..chn foryour holdlns tomp1ny: METROPOUTAN BANK.GROUP, INC. (1704627) of CHICAGO,ll. Th• d1h •re u of 12/31/2014.. 0•1• renPcts lnform•llonth•t wo r•c•lv..d one! procened throuth 07/Qf,/2015. Rtconrlll1t!onandYulflcat!onStep1 , 1. ht the O•t• Action to!umncf each br•nch1ow, enter one 01 mor• ollhe •ctlom speclf!.d below. 2. If r�ulr..d, entertM d1to In the Effective Dote column. """" OK: If the br•rlth lnlorm•tlonk tonPct.ffll•r 'OK' In the 0•1• Action tolumn. Chace: lithe braoch lnlorm•tlon ls Incorrect crlrn:omple!e,revke lho d•t•, enter "Ch•n&e'lnthe Data Action columnondthe dotewhenthh lnfomut!onnnt becomeva!ld lnthe Eff•Ulo O•t• column. C!o•o: lf1 branch IM..dwn s o l d orclo1..l, •Mer'Clnso'lnthe Doto Action column •nd the sale er closure dote Inth• E!fecllvo D•tocolumn. Pelote: H • bunchtkted was never owned bvthls de;>asltorylnst�utlon, enter'Oelete'tn the 01!1 Action column. Add: If• r•port•bl• br1nch k mi»lrir.lmlfft •row, odd tl>e bur>eh d1t1, or.d el'ltor'Add'lntM D•I• Action to!umn1nclth111p.nin1 or•cqulsltlon dote In the Etf e UJu D•I• column. Sybmlulon P1omhir1 When you ore finish«!, send • "v"d copy to your! RB cont•ct.Su the d•t•ile<l Instructions on this s�e for more lnfo1m•tlon. llyou .re •-m•llini: thlitoyour FRB con toct. pl.II your lnst�utlonn•m•,clty •nd S!•te 11\lh• 'ubject line of the ...m.n. To ntkfythe fR Y- IC1uportl n1 r•�uliementt,you must also subm� Fii Y-10 OomHtlc.Bro r>ehScli..dulH for nch br1nclt with• D•h A<llon ol Ch•n1e, den, Delel •, orAdd. Note: Th• FR Y-10 fe;>art m•y b9 subml!ted In • )111dc11pyformot orv� tlle fl! Y-10 Oriline oppliution• hrtp<://ylOon�ne.l..derolrHerve.gov, • FDJCUNINUM,OIOce Number, andlD_JISSD columns are fo1 reference only. Verlfic11loncflhHeV•lues Is not required. D•to Action Etfe�t!ve D•t• 9rond1 Servi<• T ok o FuUServlce Hod Office) ,, Hud Otfl<e 10 RSSO" '" B1•Mh lD RSSD* Popul•r N•m• 129732 NORTH COMMUNITY BANK 3639 NORTH BROADWAY CHICAGO 787539 BERWYN BRANCH 3322.SOlJTH OAK PARK AVENUE BERwYN 129732 fuU ervke 418n47 rn:GROVEVlllAGEBRANCH 702.5 ROOSMll ROAD BEl!wYN ,, Full Service .3492932 BRIOGfVlEWBRANCH 8267 SOUTH ROBERTS ROAD BRIDGEVIEW ,, full .Servi c e 3345494 BRIDGEVIEW HARLEM BRANCH 8601.SOUTH HARLEM AVENUE BRIDGEVIEW ll W4SS COOK UNIT£0STATES 40COBROADVIEWVlllAGE.SQUARE BROADVIEW IL COOK UN!TEOSTATES 48�WEST87THS1REET BURBANK tl 60155 ,, Ful! .S•rvlce 2389183 BROADVIEW BRANCH &0459 COOK ,, FuRSe rv ko 6400WEST79TH STREET BURBANK IL 60459 ,, FuQServlce 1110 WEST35THSTllEET CHICAGO IL ,, full Servlc• 2201 WUTCERMAK. ROAD CHICAGO ll 60609 60608 ,, FuilServlce CHICAGO IL ,, full Service CHtCAGO IL 60609 ,, Full Service CHICAGO IL 60632 ,, Full S •rvlce CH!CAGO IL 60626 COOK. ,, full Servke CHICAGO IL FuQServlce CHICAGO 60640 COOK ,, rt 60634 ,, Full Service CHICAGO IL ,, fu!IServk• ,, ,, 129732 49 NORTH COMMUNITY BANK 129732 .S! NORTH COMMUNITY BANK 129732 '254984 ' ' 65 NORTH COMMUNITY BANK 1'29732 UNIHOSTATE.5 .5()0346 59 NORTH COMMUNITY BANK 129732 COOK UNITEOSTATES '245920 48 NORTH COMMUNttY BANK COOK UNITEOSTATE.5 10779 1'29732 U!«!TEOSTATE.5 '" 63 NORTH COMMUNttY BANK. COOK. 67 NOf\TH COMMUNttY8ANI( 129732 60623 COOK. UNITEOSTATE.5 """ 72 NORTH COMMUNttYBANK. 129732 COOK UNITEOSTATE.5 :280182 70 NORTH COMMUNrTYBANK. 129732 COOK. UNITEDSTATES 12510 43 NORTH COMMUN1TYBANK. 129732 UNITEDSTATES 10649 27 NORTH COMMUNITY BANK 129732 UNlTEDSTATES 442343 92 NORTH COMMUNttY BANK. 129732 COOK UNITEOSTATES 47&380 26 NORTHCOMMUNttYBANK. COOK. UNITED.STATES l866l4 129732 129732 CHICAGO &0614 COOK UNtnDSTATES 251414 129732 ol FuQ S,.rvk e ll 60632 CHICAGO IL 60638 COOK UNrTEOSTATES 445192 129732 ,, Full Service CHICAGO IL 60657 COOK UN!TEDSTATE.5 ,, Full Service CHICAGO COOK UNITEDSTATE.5 243775 ful!Servk• CHICAGO 1l 60634 ,, 60625 COOK UNITEOSTATE.5 427755 ll 251421 1'29732 129732 2758 WESTBElMONT AVENUE CHICAGO 60618 COOK UN!TEOSTATES 3W417 ,, 51121 SOUTH ARCHER AVENUE CHICAGO 60638 COOK UNITEOSTATE.5 245918 129732 ol 2335 NORTH CLARI( CHICAGO ll 60614 COOK. UNITEOSTATE.5 14234 129732 ,, 1555 NORTH DAMEN AVENUE CHICAGO IL 60622 COOK. UNITEOSTATES 251420 ol 47 WESTPOLKSTREET CHICAGO IL 60605 COOK UN1TEOSTATE.5 3511614 1 129732 ol 742 WEST DIVEllSEY CHICAGO IL COOK. UN!TEDSTATES 251415 129732 COOK. UNITED.STATES ,, 1'29732 129732 2235 WEST CERMAK llDAD IL 60608 ,, 4872SOUTH ARCHER AVENUE IL 60632 COOK. UNlTEDSTATES :245916 129732 ,, 6930NORTH CLARK STREET IL 60626 COOK UNITEOSTATES 238158 129732 ,, 6�WESTIRVING PARK.ROAD 243774 129732 5l42 NORTH Bf\OAOWAY.STllEET 60640 UN!TEDSTATES ,, ll COOK COOK. UNITED.STATES 35110 12 129732 ok IL IWESTRM STREET ol 60614 606l4 186632 129732 UN1TEOSTATES 3S.SS71 ,, UN1TEOSTAHS 468964 129732 ,, UNITEDST Alts 245919 129732 ,, UNJTEOSTATES 42189 129732 ,, UNITEDSTATES 129732 238159 129732 ol UN!TEOSTATE.5 466312 129732 ol UNIT£0STATES '245917 129732 ,, 251416 129732 466149 129732 ,, 129732 ol CHICAGO ,, CHICAGO ,, ok ,, full Service ol ,, fuUServk:• ol r�us.rvk• ,, fuUServlce NBRANCK 60634 COOK UN!TrnSTATES '243777 90 NORTH COMMUNITY BANK CHICAGO tl ll 60655 COOK UN!TEOSTATES 466381 57 NORTHCOMMUN!TYBANK 129732 CHICAGO IL 60622 COOi( UNITEDSTATES �50612 :;3 NORTH COMMUNITYBANK. 129732 CHICAGO 363229 16 NORTHCOMMUt-lrTYBANK. 129732 ll 60610 COOK. UNITEOSTATES CHICAGO IL 60659 COOK. UN!T£05TATES 4335� 129732 CHICAGO IL 60640 COOK UNrtEDSTATES 442298 129732 CHICAGO IL COOK UNITEDSTATES '251423 129732 CHICAGO tl 60618 60657 COOK UN1TEDSTATE5 '251417 129732 ,, OllCAGO IL 60610 COOK. UNITEOSTATES 4IB981 129732 ,, CHICAGO 60645 COOK. 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FORM FR December 31, 2014 Report Item 3: Shareholders Current shareholders with ownership, control or holdings of 5% or more with power to vote as of fiscal year ending 12-31-2014. (l)(a) Name & Address (City, State, Country) (l)(b) Citizenship (l)(c) Number and Percentage of Each Class of Voting Securities Canada Com Stk 45,333,989.44 53.45% Mexico Com Stk 8,545,774.52 9.97% Mexico Com Stk 8,532,701.08 9.84% Mexico Com Stk 3,355,104.23 3.87%1 Mexico Com Stk 3,355,104.23 3.87%2 . MBG Investors I, LP Y-6 Shareholders not listed in 3 (l)(a) through (3)(1)(c) that had ownership, control or holdings of 5% or more with power to vote during the fiscal year ending 12-31-2014. {2)(a) Name & Address (City, State, Country) Toronto, Ontario, Canada ECR Holding, S.A. de . c.v. Mexico City, Mexico Fambeck Servicios Financieros del Exterior, S.A. de C.V. Mexico City, Mexico ETH Trigo Holding, S.A. de C.V. Mexico City, Mexico Tenedora Rosario ETG, S.A. de C.V. Mexico City, Mexico 1 ETH Trigo Holding, S.A. de C.V. and Tenedora Rosario ETG, S.A. de C.V. act in concert. 2 ETH Trigo Holding, S.A. de C.V. and Tenedora Rosario ETG, S.A. de C.V. act in concert. (2)(b) Citizenship (l)(c) Number and Percentage of Each Class of Voting Securities ' �· Metropolitan Bank Group, Inc. FORM FR Y-6 December 31, 2014 Report Item 4: Insiders (1) Name, City, State, Country (Z) Principal Occupation if other than Holding Company (3)(a) Title & Position with Holding Company (3)(b) Title & Position with Subsidiaries (3)(c) Title & Position with Other Businesses (4)(a) Percentage of Voting Shares in Holding Company (4)(b) Percentage of Voting Shares in Subsidiaries (4)(c) Names of other companies with over 25% interest and ownership Antonio del Shareholder and N/A N/A See Annex 17.85% N/A See Annex (4)(c) AVR Valle Ruiz Director of several (3)(c) AVR and and Confidential Mexico City, companies. Confidential Submission Mexico Submission Antonio del Chairman of the Valle Perochena Director 8.80% See Annex (4)(c) AVP Director . See Annex Board of Directors North Comm unity (3)(c) AVP and and Confidential Mexico City, of Kaluz, S.A. and Bank and BFG Confidential Submission Mexico Grupo Financiero Corporation Submission N/A See Annex N/A Ve par Mas. 8.80% Francisco Javier Chairman of the del Valle Board of (3)(c) FVP and and Confidential Perochena Elementia, S.A. Confidential Submission Mexico City, CEO of Submission Mexico Controladora GEK, N/A N/A See Annex (4)(c) FVP S.A. de C.V. 8.80% See Annex (4)(c) JVP Juan Pablo del Chairman of the Valle Perochena Board of (3)(c) JVP and and Mexico City, Mexichem, S.A.B. Confidential Submission N/A N/A See Annex Mexico de C.V. Ignacio del Valle Shareholder and Ruiz Director of several Confidential Mexico City, companies. Submission N/A Confidential Submission N/A N/A See 9.21% N/A See Confidential Submission Mexico 1 ,, . (1) Name, City, State, Country Alberto J. (2) Principal Occupation if other than Holding Company N/A Paracchini (3)(a) Title & Position with Holding Company (3)(b) Title & Position with Subsidiaries President and Director, President CEO and CEO Winnetka, North Community Illinois, USA Bank and BFG (3)(c) Title & Position with Other Businesses (4)(a) Percentage of Voting Shares in Holding Company (4)(b) Percentage of Voting Shares in Subsidiaries (4)(c) Names of other companies with over 25% interest and ownership N/A 0.07% N/A N/A 0.38% N/A N/A N/A N/A N/A Corporation Roberto R. President and CEO Chairman of the Chairman of the See Annex Herencia BXM Holdings Inc. Board Board (3)(c) RH Glenview, (Bank consulting North Community Illinois, USA and investor) Bank and BFG • . Corporation Phillip R. Corporate Vice Cabrera President and Naperville, Illinois, USA Director International Treasurer at McDonald's Director Trustee North Community Dupage Bank and BFG Community Corporation Foundation Director N/A N/A N/A N/A Director See N/A N/A N/A North Community Confidential Bank and BFG Submission 0.36% N/A Corporation L. Gene Beube Retired Financial Burr Ridge, Services Executive Director North Community Illinois, USA Bank and BFG Corporation Edward Magnus Managing Director Glenview, & Head of Research Illinois, USA at BlueSpruce Director Investments, LP Corporation Jaime Ruiz Chairman of the Director See Annex Sacristan Board of Directors Director North Community (3)(c) JRS and Mexico City, of Banco Ve par Bank and BFG Confidential Mexico Mas, S.A. and Balsa Corporation Submission See Confidential Submission Mexicana de Valores, S.A.B de c.v. 2 .., ...... •' (1) Name, City, State, Country (2) Principal Occupation if other than Holding Company Timothy Hadro N/A Chicago, Illinois, (3){a) Title & Position with Holding Company (3){b) Title & Position with Subsidiaries Chief Credit Officer USA . William Tabaka N/A Chicago, Illinois, USA {3){c) Title & Position with Other Businesses (4){a) Percentage of Voting Shares in Holding Company {4){b) Percentage of Voting Shares in Subsidiaries {4){c) Names of other companies with over 25% interest and ownership Chief Credit Officer See N/A N/A See Confidential North Community Confidential Bank and BFG Submission Submission Corporation Chief Financial Chief Financial Officer Officer N/A N/A N/A N/A North Community Bank and BFG . Corporation . . 3 Annex (3){c) AVR M etropolitan B a n k Gro u p, Inc. FORM FR Y-6 Dece m b e r 31, 2014 Company Grupo Pochteca, 5.A . B . de C.V. G ru p o Fina nciero Ve Por Mas, 5.A. de c.v. Ba nco Ve p o r Mas, 5.A. lnstitucion de Ba nca Multiple, G rupo Fina nciero Ve Por Mas. M exichem, 5.A. B . de C.V. Telefonos d e M exico, 5.A. B . d e C.V. AXA 5eguros M exico, 5.A.B. de C.V. Escu e l a B a ncaria y Comercial, 5.C. Fundacion Pro Empleo Prod uctivo, A.C. Position Directo r H o n o rary Chairman H o n o rary Chairman H o n o rary Chairman D i rector Directo r Director Director Annex {4) (c) AVR Metropolitan Bank Group, Inc. FORM FR Y-6 December 31, 2014 Company Grupo Pochteca, S.A.B. de C.V. Interest Percentage See Confidentia l S u b m ission Annex (4)(c) AVR See Confidentia l S u b m ission Annex (4)(c) AVR Grupo Financiero Ve Por Mas, S.A. de C.V. Ba nco Ve por Mas, S.A. l nstituci6n de Ba nca See Co nfidentia l S u b m ission Annex (4)(c) AVR Multiple, Grupo Fina nciero Ve Por M as. Casa de Balsa Ve P o r M a s, S.A. de C.V. Grupo See Confidential S u b m ission Annex (4)(c) AVR Fina nciero Ve Por Mas. Arrend a d o ra Ve Por Mas, S.A. de C.V., Organizaci6n See Confidential S u b m ission Annex {4)(c) AVR Auxiliar de Cred ito, Grupo Fina nciero Ve Por M a s Opera d o ra V e Por Mas, S.A. d e C.V., Sociedad Opera d o ra de Sociedades de Inversion, Grupo Fina nciero Ve P o r Mas See Confidential S u b m ission Annex (4)(c) AVR Annex {3)(c} AVP M etropolitan B a n k Gro u p, Inc. FORM FR Y-6 Dece m be r 31, 2014 Company Grupo Pochteca, S.A. B . de C.V. Grupo Fina nciero Ve Par Mas, S.A. de C.V. Position Director Director Ba nco Ve p a r Mas, S.A. l nstituci 6 n de Ba nca Multi p l e, Grupo Fina nciero Ve Par Mas. D i recto r Casa d e B a lsa Ve Par Mas, S.A. de C.V. Grupo Fina nciero Ve Par Mas. Director Arre n d a d o ra Ve Par Mas, S.A. de C.V., Organizaci6n Auxiliar de Credito, Grupo Financiero Ve Par M a s Director O p e ra d ora Ve Par Mas, S.A. de C.V., Socie d a d O p e r a d o ra d e Sociedades d e Inversion, Grupo Fina nciero Ve Par Mas M exichem, S . A . B . d e C.V. M exica n o s Prim era, A.C. Fideicomiso Probosque de Chap ultepec Afianza d o ra Sofimex, S.A. Antigua Colegio de Sa n Ild efonso, A.C. Directo r Director Trustee Trustee Director Trustee Annex (4}(c) AVP Metropolitan Ban k Group, Inc. FORM FR Y-6 December 3 1, 20 14 Compa ny Mexichem, S.A . B . de C.V. Grupo Pochteca, S.A.B. de C.V. I nterest Percentage See Confidential S u b m ission Annex (4)(c) AVP See Confidential S u b m ission Annex (4)(c) AVP See Confidential S u b m ission Annex (4)(c) AVP Grupo Fina nciero Ve Por Mas, S.A. de C.V. Ba nco Ve p o r M a s, S.A. lnstitucion de Ba nca See Confidential S u b m ission Annex (4)(c) AVP Multip le, Grupo Fina nciero Ve Por Mas. Casa de Bo Isa Ve P o r Mas, S.A. de C.V. Grupo See Confidential S u b m ission Annex (4)(c) AVP Fina nciero Ve Por Mas. Arre n d a d ora Ve Por M a s, S.A. de C.V., Organizacion See Confidential S u b m ission Annex (4)(c) AVP Auxi l i a r d e Cred ito, Grupo Fina nciero Ve Por M a s Opera d o ra V e Por Mas, S.A. de C.V., Sociedad Opera d o ra de Sociedades de I nversion, Grupo Fina nciero Ve Por Mas See Confidentia l S u b m ission Annex (4)(c) AVP Annex (3){c) FVP Metro p o l itan B a n k G ro u p, Inc. FORM F R Y-6 December 31, 2014 Company G ru p o Pochteca, 5.A . B . de C.V. Grupo Fina nciero Ve Par M a s, S.A. de C.V. Position Director Alternate Director Ba nco Ve p a r Mas, 5.A. lnstitucion de Ba nca Multiple, Grupo Fina nciero Ve Par M as. Alternate Directo r Casa de Bo Isa Ve P a r Mas, 5.A. de C.V. Grupo Fina nciero Ve Par Mas. Directo r Arren d a d ora Ve Par Mas, 5.A. de C.V., Organizacion Auxi l i a r de Credito, Grupo Fina nciero Ve Par M a s Director Opera d o ra Ve Par M a s, 5.A. de C.V., 5ociedad Opera d o ra de 5ociedades de Inversion, Grupo Fina nciero Ve Par Mas Mexichem, 5.A. B . de C.V. Consejo de la C o m u n icacion, A.C. Co nsejo Consu ltivo B a na mex Director Director D i rector Directo r Annex (4}(c) FVP M etropo litan Bank Group, I nc. FORM F R Y-6 December 31, 2014 Company M exichem, S.A. B . de C.V. Grupo Pochteca, S.A.B. de C.V. Interest Percentage See Co nfid ential S u b m ission Annex (4) (c) FVP See Confid entia l S u b m ission Annex (4) (c) FVP See Confidential S u b m ission Annex (4) (c) FVP G r u p o Fina nciero Ve Par M a s, S.A. de C.V. Ba nco Ve par M a s, S.A. l nstitu ci6n de B a n ca See Confidentia l S u b m ission Annex (4)(c) FVP M u ltiple, G rupo Fina nciero Ve Par Mas. Casa d e Balsa Ve Par Mas, S.A. de C.V. Grupo See Confidential S u b mission Annex (4)(c) FVP Fina nciero Ve Par M a s. Arre n d a d ora Ve Par Mas, S.A. de C.V., Orga nizaci6n See Confid ential S u b m ission Annex (4) (c) FVP Auxiliar d e Credito, Grupo Fin a n ciero Ve Par M a s Operadora Ve Par Mas, S.A. d e C.V., Sociedad Operadora de Socied ades de Inversion, Grupo Financiero Ve Par M a s See Confidential S u b m ission Annex (4)(c) FVP Annex (3){c) JVP M etropo lita n B a n k Group, I n c. F O R M FR Y-6 December 31, 2014 Company Grupo Pochteca, S.A.B. de C.V. Position Director Ba nco Ve par M a s, S.A. l nstituci6n de Ba nca M u ltiple, G rupo Financiero Ve Par M a s. Director Casa de Bo Isa Ve Par Mas, S.A. de C.V. Grupo Fina nciero Ve Par Mas. Arre n d a d ora Ve Par Mas, S.A. de C.V., Organizaci6n Auxil i a r d e Cred ito, Grupo Fina n ciero Ve Par M a s Director . . Director Operadora Ve Par M a s, S.A. de C.V., Sociedad Operadora d e Sociedades de Inversion, Grupo F i n a n ciero Ve Par M a s M exich e m, S . A . B . de C.V. Grupo Lala, S . A . B . de C.V. El Colegio de M exico, A.C. Endeavor M exico, A.C. Director Director Director Trustee Director Advisory David Rockefe l l e r Center for Latin Am erica n Studies Jose Limon Da nce Foundation Council of the Americas The Nature Conservancy LACC (Latin American Conservation Cou ncil) Externa l Advisor Director M e m b e r of the I nternational Advisory C o u ncil Council M e m b e r Annex (4}(c) JVP Metropolita n Bank Group, I nc. FORM F R Y-6 December 31, 2014 Com p any M exichem, S.A.B. de C.V. Grupo Pochteca, S.A.B. d e C.V. Interest Percentage See Co nfid ential S u b m ission Annex (4)(c) JVP See Confidential S u b m ission Annex (4) {c) JVP See Confid ential S u b m ission Annex {4) {c) JVP G r u p o Finan ciero Ve Par Mas, S.A. de C.V. Ba nco Ve par M a s, S.A. lnstitucic\n de Ba nca See Confidential S u b m ission Annex (4) (c) JVP M u ltiple, Grupo Financiero Ve Par M as. Casa d e Bo Isa Ve P a r M a s, S.A. de C.V. Grupo See Co nfid ential S u b m ission Annex (4)(c) JVP Fina nciero Ve P a r Mas. Arre n d a d o ra Ve P a r Mas, S.A. de C.V., O rganizacic\n See Confidential S u b m ission Annex (4) (c) JVP Auxil i a r de Credito, Grupo Financiero Ve Par M a s Operadora Ve Par Mas, S.A. d e C.V., Sociedad O p e ra d o ra d e Socied ades de I nversion, Grupo Fina nciero Ve Par Mas See Confidential S u b mission Annex {4) {c) JVP AN N EX {3){c) RH M etropolitan Ban k Group, Inc. FORM FR Y-6 December 3 1, 2014 C o m p a ny Position BXM H o l d ings I n c . President and C EO S K B H C H o l d ings LLC Director Sta rbuck B a n csha res, I n c Directo r Ame ricanWest B a n k & First Nationa l B a n k of Director Sta rbuck First B a nCorp & FirstB a n k Puerto Rico Chairm a n M u s e u m of Science a n d I n d ustry Trustee DePa u l U niversity Trustee N o rthwestern M e m o ri a l Fo undatio n Trustee Navy P i e r, I n c Trustee J u n i o r Achieve ment of Chicago Director O p e ration H o p e Director Annex (3){c) JRS Metropolitan B a n k G ro u p, Inc. FORM FR Y-6 December 31, 2014 Com pa ny G ru p o Fin a n ciero Ve Por Mas, S.A. de C.V. Position D i rector Ba nco Ve p o r M a s, S.A. l nstitu ci6n de Ba nca M u ltiple, G rupo Fina nciero Ve Por Mas. Director Casa de Bolsa Ve Por Mas, S.A. de C.V. Grupo Fina nciero Ve Por Mas. Director Arre n d a d ora Ve Por Mas, S.A. de c.v., Orga nizaci6n Auxilia r de Cred ito, Grupo Fina nciero Ve Por M a s Director O p e ra d ora Ve Por M a s, S.A. de C.V., Sociedad O p e ra d o ra d e Sociedades de I nversion, Grupo Fina nciero Ve Por M a s M exichem, S . A . B . d e C.V. Bolsa M exica n a del Merca do de Va l o res, S.A. B . d e c.v. S . D . l n deval I nst. para el Dep6sito de Valores, S.A. de C.V. M ex D e r M e rcado Mexica no de Derivados, S.A. de c.v. Contra pa rte Central de Va l o res de Mexico, S.A. de c.v. D i rector Director Director D i rector Director Director Fideicomiso Asigna, Compensaci6n y Liquidaci6n Director Sif leap, S.A. de C.V. Director Sif leap S e rvicios, S.A. de C.V. Director