# JGB BANK NATIONAL ASSN
DORAL, FL · FDIC certificate 17715 · asset band $300M-1B · latest filing 2014-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 8 (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 | $480.8M | |
| Deposits | $346.4M | |
| Loans and leases | $158.1M | |
| Total equity | $45.9M | |
| Loans / deposits | 44.92% (p6 of band) | 79.05% |
| Liquid assets / assets | 64.27% (p97 of band) | |
| Uninsured deposits / deposits | 30.53% (p82 of band) | 18.17% |
| Brokered deposits | 3.32% | |
| Wholesale funding | 21.61% (p94 of band) | |
| FHLB advances / assets | 16.64% | |
| Tier 1 leverage | 9.22% (p30 of band) | 10.01% |
| Unrealized securities loss / equity | -4.20% (p6 of band) | 0.54% |
| AOCI / equity | 1.72% (p56 of band) | |
| ROA (annualized) | -0.12% (p3 of band) | 0.86% |
| Net interest margin | 1.80% (p2 of band) | 3.60% |
| Efficiency ratio | 132.41% (p100 of band) | |
| Noncurrent loans | 4.10% (p93 of band) | 1.03% |
| Net charge-offs (annualized) | -0.12% (p4 of band) | |
| Reserve coverage of noncurrent | 38.18% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 0.00% (p2 of band) | |
| Auto loans | $723,000 (0.46% of loans; DQ 3.32%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | -11.9% | |
| Employees | 57 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | wholesale funding >15%, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 1 |  | wholesale funding >15%, charge-offs p90 |
| 2011-12 | 2 | wholesale funding >15% |  |
| 2012-03 | 4 | capital falling, charge-offs p90 |  |
| 2012-06 | 2 |  | wholesale funding >15%, charge-offs p90 |
| 2012-09 | 3 | expense ratio p90 |  |
| 2012-12 | 3 |  |  |
| 2013-03 | 5 | wholesale funding >15%, NIM <2.5% |  |
| 2013-06 | 5 |  |  |
| 2013-09 | 5 |  |  |
| 2013-12 | 4 |  | capital falling |
| 2014-03 | 6 | losing money, noncurrent p90 |  |
| 2014-06 | 8 | deposits shrinking, assets shrinking |  |

## 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=17715 (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 "17715", 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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