# COMMONWEALTH BANK&TRUST CO
LOUISVILLE, KY · FDIC certificate 10146 · asset band $1-10B · latest filing 2021-12 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (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 | $1.30B | |
| Deposits | $1.00B | |
| Loans and leases | $682.2M | |
| Total equity | $118.3M | |
| Loans / deposits | 66.33% (p34 of band) | 73.47% |
| Liquid assets / assets | 44.48% (p80 of band) | |
| Uninsured deposits / deposits | 22.19% (p21 of band) | 33.32% |
| Brokered deposits | 0.03% | |
| Wholesale funding | 12.37% (p89 of band) | |
| FHLB advances / assets | 0.46% | |
| Tier 1 leverage | 9.57% (p51 of band) | 9.53% |
| Unrealized securities loss / equity | 2.97% (p92 of band) | -0.38% |
| AOCI / equity | -1.42% (p53 of band) | |
| ROA (annualized) | 1.24% (p53 of band) | 1.21% |
| Net interest margin | 2.89% (p29 of band) | 3.23% |
| Efficiency ratio | 78.22% (p94 of band) | |
| Noncurrent loans | 0.66% (p72 of band) | 0.34% |
| Net charge-offs (annualized) | 0.01% (p49 of band) | |
| Reserve coverage of noncurrent | 360.26% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 50.41% (p57 of band) | |
| Auto loans | $10.3M (1.51% of loans; DQ 2.06%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p37 of band) | |
| Deposits YoY | 7.5% | |
| Employees | 212 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | wholesale funding >15%, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 2 |  | construction >100% equity |
| 2011-09 | 1 |  | reserve under noncurrent |
| 2011-12 | 2 | reserve under noncurrent |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 3 | brokered >10% |  |
| 2013-03 | 4 | losing money, noncurrent p90 | brokered >10% |
| 2013-06 | 3 |  | losing money |
| 2013-09 | 6 | losing money, expense ratio p90, deposits shrinking, assets shrinking | noncurrent p90 |
| 2013-12 | 6 |  |  |
| 2014-03 | 4 |  | wholesale funding >15%, losing money |
| 2014-06 | 2 |  | deposits shrinking, assets shrinking |
| 2014-09 | 0 |  | reserve under noncurrent, expense ratio p90 |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | capital falling |  |
| 2015-09 | 2 | expense ratio p90 |  |
| 2015-12 | 2 | reserve under noncurrent | capital falling |
| 2016-03 | 2 |  |  |
| 2016-06 | 3 | wholesale funding >15%, uninsured deposits leaving | reserve under noncurrent |
| 2016-09 | 3 | brokered >10% | uninsured deposits leaving |
| 2016-12 | 4 | capital falling |  |
| 2017-03 | 4 |  |  |
| 2017-06 | 3 |  | capital falling |
| 2017-09 | 3 |  |  |
| 2017-12 | 2 |  | expense ratio p90 |
| 2018-03 | 3 | expense ratio p90 |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 2 |  | brokered >10% |
| 2019-03 | 3 | brokered >10% |  |
| 2019-06 | 2 |  | brokered >10% |
| 2019-09 | 3 | brokered >10% |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 3 | capital falling | expense ratio p90 |
| 2020-06 | 2 |  | brokered >10% |
| 2020-09 | 1 |  | wholesale funding >15% |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 1 | expense ratio p90 |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |

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

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10146 (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/34.json (key "10146", 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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