# WEST SIDE BANK&TRUST
FORT WORTH, TX · FDIC certificate 18915 · asset band <$300M · latest filing 2013-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $63.0M | |
| Deposits | $52.8M | |
| Loans and leases | $45.7M | |
| Total equity | $10.0M | |
| Loans / deposits | 84.95% (p79 of band) | 69.26% |
| Liquid assets / assets | 20.28% (p17 of band) | |
| Uninsured deposits / deposits | 28.96% (p93 of band) | 11.87% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.97% (p72 of band) | 10.33% |
| Unrealized securities loss / equity | 0.00% (p62 of band) | -0.53% |
| AOCI / equity | 0.00% (p91 of band) | |
| ROA (annualized) | 0.64% (p41 of band) | 0.77% |
| Net interest margin | 4.32% (p84 of band) | 3.62% |
| Efficiency ratio | 81.15% (p67 of band) | |
| Noncurrent loans | 2.15% (p70 of band) | 1.08% |
| Net charge-offs (annualized) | -0.09% (p4 of band) | |
| Reserve coverage of noncurrent | 86.95% | |
| Real estate % of loans | 77% | |
| Construction % of loans | 75.11% (p90 of band) | |
| Auto loans | $123,000 (0.27% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 13.9% | |
| Employees | 13 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | losing money, noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 4 |  |  |
| 2011-09 | 4 | capital falling | noncurrent p90 |
| 2011-12 | 6 | expense ratio p90, noncurrent p90 |  |
| 2012-03 | 2 |  | losing money, charge-offs p90, capital falling, expense ratio p90 |
| 2012-06 | 2 | charge-offs p90 | noncurrent p90 |
| 2012-09 | 2 | liquid assets <10% | charge-offs p90 |
| 2012-12 | 1 |  | liquid assets <10% |
| 2013-03 | 1 |  |  |
| 2013-06 | 3 | capital falling, construction >100% equity |  |
| 2013-09 | 2 |  | construction >100% equity |

## 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=18915 (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/35.json (key "18915", 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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