# GILMORE BANK
LOS ANGELES, CA · FDIC certificate 17523 · asset band <$300M · latest filing 2013-06 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $171.1M | |
| Deposits | $150.7M | |
| Loans and leases | $130.0M | |
| Total equity | $18.2M | |
| Loans / deposits | 84.66% (p80 of band) | 68.67% |
| Liquid assets / assets | 20.01% (p16 of band) | |
| Uninsured deposits / deposits | 17.96% (p76 of band) | 11.61% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.88% (p44 of band) | |
| FHLB advances / assets | 0.88% | |
| Tier 1 leverage | 10.81% (p60 of band) | 10.18% |
| Unrealized securities loss / equity | -4.66% (p18 of band) | -0.21% |
| AOCI / equity | -6.76% (p24 of band) | |
| ROA (annualized) | 0.36% (p23 of band) | 0.77% |
| Net interest margin | 4.80% (p94 of band) | 3.59% |
| Efficiency ratio | 90.08% (p82 of band) | |
| Noncurrent loans | 3.09% (p79 of band) | 1.13% |
| Net charge-offs (annualized) | -0.14% (p3 of band) | |
| Reserve coverage of noncurrent | 61.95% | |
| Real estate % of loans | 71% | |
| Construction % of loans | 24.06% (p61 of band) | |
| Auto loans | $5.0M (3.88% of loans; DQ 0.75%, NCO 0.02%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -1.9% | |
| Employees | 35 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | reserve under noncurrent |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 5 | capital falling, losing money, expense ratio p90, deposits shrinking |  |
| 2013-06 | 1 |  | capital falling, losing money, expense ratio p90, deposits shrinking |

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

- 2018-02-22 [Lakeland Community Theatre presents 'Mary Poppins' - Lakeland Ledger](https://news.google.com/rss/articles/CBMiwwFBVV95cUxQWGpEOE03QkN4Z3JMX3AyMm5OMEQ2WGczMHNzdlpvY25NWTlUdHRFdTVtUTZZMUlpVVljMzJVdUVOVGFhbktPUmhzbGxkTFJuMEFVZmtNeWJmLWpoaVo4Tkh5T19wX0pXMDhFcVpvcTM3RDl2WFRPQzNMTm1kdzdJV0VRRHJBVDJ4QngwS1ZITG1VSUZfZ2tnX2IwM3Jad3Vfc2p3VGpzYklkeEtlTU5uLTU1SWtMSmxrbjNNY2NFaWhkeTQ?oc=5) · Lakeland Ledger

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17523 (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/51.json (key "17523", 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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