# PARK MIDWAY BANK NA
SAINT PAUL, MN · FDIC certificate 1904 · asset band $300M-1B · latest filing 2013-03 · 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 | $310.3M | |
| Deposits | $269.9M | |
| Loans and leases | $188.1M | |
| Total equity | $28.7M | |
| Loans / deposits | 68.54% (p36 of band) | 74.76% |
| Liquid assets / assets | 36.30% (p65 of band) | |
| Uninsured deposits / deposits | 16.59% (p50 of band) | 16.74% |
| Brokered deposits | 6.06% | |
| Wholesale funding | 9.74% (p72 of band) | |
| FHLB advances / assets | 2.58% | |
| Tier 1 leverage | 7.48% (p7 of band) | 9.77% |
| Unrealized securities loss / equity | -0.08% (p7 of band) | 2.98% |
| AOCI / equity | -0.23% (p54 of band) | |
| ROA (annualized) | 1.49% (p86 of band) | 0.80% |
| Net interest margin | 3.81% (p69 of band) | 3.52% |
| Efficiency ratio | 64.07% (p32 of band) | |
| Noncurrent loans | 1.97% (p60 of band) | 1.55% |
| Net charge-offs (annualized) | 0.03% (p42 of band) | |
| Reserve coverage of noncurrent | 82.95% | |
| Real estate % of loans | 69% | |
| Construction % of loans | 12.22% (p23 of band) | |
| Auto loans | $50,000 (0.03% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 28.3% | |
| Employees | 32 | |

## 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 | wholesale funding >15%, leverage <7%, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 4 | loans exceed deposits | leverage <7% |
| 2011-09 | 3 |  | wholesale funding >15% |
| 2011-12 | 1 |  | noncurrent p90, loans exceed deposits |
| 2012-03 | 2 | leverage <7% |  |
| 2012-06 | 3 | loans exceed deposits, assets shrinking | leverage <7% |
| 2012-09 | 2 | uninsured deposits leaving | loans exceed deposits, assets shrinking |
| 2012-12 | 0 |  | reserve under noncurrent, uninsured deposits leaving |
| 2013-03 | 2 | capital falling, 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=1904 (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/48.json (key "1904", 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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