# WESTERN BANK NATIONAL ASSN
SAINT PAUL, MN · FDIC certificate 10203 · asset band $300M-1B · latest filing 2015-06 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (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 | $525.7M | |
| Deposits | $421.8M | |
| Loans and leases | $254.9M | |
| Total equity | $60.6M | |
| Loans / deposits | 59.69% (p15 of band) | 82.05% |
| Liquid assets / assets | 47.90% (p89 of band) | |
| Uninsured deposits / deposits | 24.91% (p69 of band) | 19.19% |
| Brokered deposits | 8.49% | |
| Wholesale funding | 16.59% (p85 of band) | |
| FHLB advances / assets | 6.66% | |
| Tier 1 leverage | 10.98% (p66 of band) | 10.09% |
| Unrealized securities loss / equity | 1.31% (p68 of band) | 0.40% |
| AOCI / equity | 1.13% (p99 of band) | |
| ROA (annualized) | 0.88% (p47 of band) | 0.91% |
| Net interest margin | 3.25% (p27 of band) | 3.56% |
| Efficiency ratio | 65.77% (p41 of band) | |
| Noncurrent loans | 2.02% (p84 of band) | 0.80% |
| Net charge-offs (annualized) | 0.02% (p44 of band) | |
| Reserve coverage of noncurrent | 60.58% | |
| Real estate % of loans | 72% | |
| Construction % of loans | 23.90% (p38 of band) | |
| Auto loans | $124,000 (0.05% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 11.4% | |
| Employees | 70 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 1 | capital falling | reserve under noncurrent |
| 2011-12 | 0 |  | capital falling |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | capital falling |  |
| 2012-12 | 2 | NIM <2.5%, reserve under noncurrent | capital falling |
| 2013-03 | 1 |  | NIM <2.5% |
| 2013-06 | 1 | capital falling | reserve under noncurrent |
| 2013-09 | 1 | reserve under noncurrent | capital falling |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 | wholesale funding >15% | reserve under noncurrent |
| 2014-06 | 3 | capital falling, reserve under noncurrent |  |
| 2014-09 | 3 |  |  |
| 2014-12 | 3 |  |  |
| 2015-03 | 2 |  | capital falling |
| 2015-06 | 2 |  |  |

## 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=10203 (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/27.json (key "10203", 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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