# CONSOLIDATED BANK&TRUST CO
RICHMOND, VA · FDIC certificate 11583 · asset band <$300M · latest filing 2011-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (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 | $71.5M | |
| Deposits | $63.4M | |
| Loans and leases | $43.9M | |
| Total equity | $7.7M | |
| Loans / deposits | 68.75% (p45 of band) | 70.88% |
| Liquid assets / assets | 30.92% (p45 of band) | |
| Uninsured deposits / deposits | 6.30% (p40 of band) | 7.86% |
| Brokered deposits | 11.43% | |
| Wholesale funding | 11.43% (p84 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.97% (p54 of band) | 9.71% |
| Unrealized securities loss / equity | -1.49% (p15 of band) | 0.79% |
| AOCI / equity | 0.43% (p72 of band) | |
| ROA (annualized) | 0.49% (p40 of band) | 0.66% |
| Net interest margin | 4.69% (p90 of band) | 3.79% |
| Efficiency ratio | 77.68% (p57 of band) | |
| Noncurrent loans | 13.39% (p98 of band) | 1.53% |
| Net charge-offs (annualized) | 0.05% (p55 of band) | |
| Reserve coverage of noncurrent | 5.01% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 19.81% (p50 of band) | |
| Auto loans | $226,000 (0.52% of loans; DQ 3.10%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | – | |
| Employees | 23 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | brokered >10%, noncurrent p90, reserve under noncurrent |  |

## 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=11583 (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/63.json (key "11583", 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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