# MINNWEST BANK METRO
EAGAN, MN · FDIC certificate 17898 · asset band <$300M · latest filing 2014-03 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $209.4M | |
| Deposits | $167.1M | |
| Loans and leases | $171.0M | |
| Total equity | $21.9M | |
| Loans / deposits | 100.30% (p95 of band) | 68.03% |
| Liquid assets / assets | 10.94% (p3 of band) | |
| Uninsured deposits / deposits | 12.08% (p49 of band) | 12.24% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 8.26% (p81 of band) | |
| FHLB advances / assets | 8.26% | |
| Tier 1 leverage | 10.68% (p56 of band) | 10.34% |
| Unrealized securities loss / equity | 0.25% (p67 of band) | -0.15% |
| AOCI / equity | -0.09% (p5 of band) | |
| ROA (annualized) | 0.26% (p19 of band) | 0.74% |
| Net interest margin | 3.94% (p70 of band) | 3.59% |
| Efficiency ratio | 88.14% (p78 of band) | |
| Noncurrent loans | 1.72% (p67 of band) | 0.94% |
| Net charge-offs (annualized) | 0.17% (p84 of band) | |
| Reserve coverage of noncurrent | 116.09% | |
| Real estate % of loans | 73% | |
| Construction % of loans | 50.74% (p82 of band) | |
| Auto loans | $139,000 (0.08% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -14.6% | |
| Employees | 43 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | losing money, expense ratio p90, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 4 |  |  |
| 2011-09 | 4 |  |  |
| 2011-12 | 4 |  |  |
| 2012-03 | 5 | deposits shrinking, assets shrinking | noncurrent p90 |
| 2012-06 | 5 | uninsured deposits leaving | reserve under noncurrent |
| 2012-09 | 5 | reserve under noncurrent | uninsured deposits leaving |
| 2012-12 | 3 |  | deposits shrinking, assets shrinking |
| 2013-03 | 2 | capital falling | losing money, expense ratio p90 |
| 2013-06 | 2 | losing money, expense ratio p90 | reserve under noncurrent, capital falling |
| 2013-09 | 2 |  |  |
| 2013-12 | 4 | deposits shrinking, assets shrinking |  |
| 2014-03 | 3 | loans exceed deposits | losing money, expense ratio p90 |

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

- 2014-08-06 [Santorini sale may be off, potential buyer says - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOdzJKYlotVE43U1lSek5NbW1OazQ1Z3V1Vk8xNXNEU0d3Zi1DRzF2RDdHdS1uRXRGU1c5RGlZaGNpbk5uSDB1OWoxMXJ0RTFOeW9NQTBBNm1ES1BLYzJSZ0RHZmNPNWNJeG1xelZJMkFDUy16Z0lrRFI1QlRDNU0zNDFRZm5xendsNnFQRVR5bHd6NEs5Q25YYnNvZWR2MjlXQzF4V1lqYm5EZFU?oc=5) · The Business Journals
- 2007-12-08 [Business people - Pioneer Press](https://news.google.com/rss/articles/CBMiaEFVX3lxTE5aejNHZEhKSm85S2dpN21Hcy0wZG1DQ3c0VUdKSEhiS0hDUEhBZzJvYWZ3LW5ZLUVyMWRQZ3R2S2xaOWNxZVlqZFE3VDdfRjZYZ1NfR0E0MkkwV2xHUjlPX3RTckJPWWRp?oc=5) · Pioneer Press
- 2013-09-18 [Top Commercial Transactions: Beckman Coulter pays $2.65M for more space in Chaska - Finance & Commerce](https://news.google.com/rss/articles/CBMiuAFBVV95cUxPYlEwbzEzaldnY19TWDhtQnZ5azdCMjFUTURqaHJPR1NTb1gza0hYenBJYjYwZTJ6RWhhdzZTTlpNV0ZuZW5mb3gzTjFfLVRZLXVORy1udnVSbHczTkE0Z2xhRGdFWmZwWG8yY3JnSEI1THBTZjhYbnZuUWZyMkhyanFuWjZ2dXl5dmZWZVYwM1BBUU1XeGdiVWRMY1Z3T2R6UHVFRXdfM0psWThUbWpBVmxITjNSSGxs?oc=5) · Finance &amp; Commerce

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17898 (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/42.json (key "17898", 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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