# BRICKELL BANK
MIAMI, FL · FDIC certificate 21220 · asset band $300M-1B · latest filing 2019-06 · 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 | $410.4M | |
| Deposits | $347.5M | |
| Loans and leases | $323.6M | |
| Total equity | $22.8M | |
| Loans / deposits | 92.08% (p67 of band) | 85.79% |
| Liquid assets / assets | 19.91% (p40 of band) | |
| Uninsured deposits / deposits | 26.55% (p67 of band) | 21.31% |
| Brokered deposits | 8.21% | |
| Wholesale funding | 16.74% (p90 of band) | |
| FHLB advances / assets | 8.53% | |
| Tier 1 leverage | 5.40% (p0 of band) | 10.63% |
| Unrealized securities loss / equity | -1.06% (p6 of band) | 0.67% |
| AOCI / equity | 6.77% (p91 of band) | |
| ROA (annualized) | -0.82% (p0 of band) | 1.11% |
| Net interest margin | 3.10% (p14 of band) | 3.74% |
| Efficiency ratio | 122.64% (p99 of band) | |
| Noncurrent loans | 2.30% (p93 of band) | 0.53% |
| Net charge-offs (annualized) | 0.13% (p85 of band) | |
| Reserve coverage of noncurrent | 48.93% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 0.00% (p2 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | -5.8% | |
| Employees | 72 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **leverage <7%** (`cap_low`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **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 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 | wholesale funding >15% | reserve under noncurrent |
| 2011-09 | 2 | brokered >10% |  |
| 2011-12 | 1 | reserve under noncurrent | wholesale funding >15%, brokered >10% |
| 2012-03 | 1 |  |  |
| 2012-06 | 0 |  | reserve under noncurrent |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 2 | uninsured deposits >50%, capital falling |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 1 |  | capital falling |
| 2013-12 | 2 | expense ratio p90 |  |
| 2014-03 | 3 | capital falling |  |
| 2014-06 | 2 |  | capital falling |
| 2014-09 | 6 | wholesale funding >15%, reserve under noncurrent, deposits shrinking, assets shrinking, uninsured deposits leaving | uninsured deposits >50% |
| 2014-12 | 7 | losing money |  |
| 2015-03 | 9 | leverage <7%, capital falling, NIM <2.5% | reserve under noncurrent |
| 2015-06 | 9 |  |  |
| 2015-09 | 9 | noncurrent p90, reserve under noncurrent | leverage <7%, capital falling |
| 2015-12 | 8 | leverage <7% | uninsured deposits leaving, noncurrent p90 |
| 2016-03 | 9 | capital falling, noncurrent p90 | NIM <2.5% |
| 2016-06 | 9 |  |  |
| 2016-09 | 7 |  | deposits shrinking, assets shrinking |
| 2016-12 | 7 | uninsured deposits leaving | capital falling |
| 2017-03 | 5 |  | reserve under noncurrent, noncurrent p90 |
| 2017-06 | 5 | reserve under noncurrent | losing money |
| 2017-09 | 5 | losing money | uninsured deposits leaving |
| 2017-12 | 7 | capital falling, assets shrinking |  |
| 2018-03 | 5 |  | reserve under noncurrent, capital falling |
| 2018-06 | 5 |  |  |
| 2018-09 | 5 | capital falling | assets shrinking |
| 2018-12 | 5 |  |  |
| 2019-03 | 7 | charge-offs p90, reserve under noncurrent, assets shrinking | capital falling |
| 2019-06 | 8 | noncurrent p90, deposits shrinking | charge-offs p90 |

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

- 2015-07-28 [Former Espírito Santo Bank Rebranded as Brickell Bank - Funds Society](https://news.google.com/rss/articles/CBMiogFBVV95cUxPZi1OQzhCNG9Rb1hPam8yS05kRVNIX1R4N3AtQUEzRVNvYjdrSjJXY2Z2TnFWQkI3T0FzVHVfWFFGNGZfMDdyNC10MXhhNWhBeXo2Q2tvMGtDSkN6eVQzUkVyWEs2UTk5ajFrU01rX3NqSk9XYW94UXAwR2VuRlVPQ1g3X2hycXIxTXRqTUhDT09wNG9jeHNVR0loczEzdWFfb1E?oc=5) · Funds Society
- 2018-01-29 [Miami-based Brickell Bank finally finds buyer - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPRi0zR2ZjazRoWHpMRlV3WlZ3bjdJVjVlOEprUE85Z01QUnJvTEZ4VVUzVUhTclE5UnpJRVNlWldmWlhWOGNxb1ZSUWh3VXlUbGNNVjFoOFJHMklobkZ0Um9kUlBFU096d0JtT0FnTTkzLVg4V1dQZUZOY0owdkxEWlI3OVdNTHlodDJDY0NGd1FRWmRvcEdFTmZwX0RuWlFNV21DNHctRS1iQms?oc=5) · The Business Journals
- 2018-12-18 [Purchase approval of Brickell Bank by Benhamous awaited - Miami Today](https://news.google.com/rss/articles/CBMinwFBVV95cUxQZkp0T2ZheHJYeDhnU2Vwa2JqWUhkRlByd2xYUEpGYkozcm5fS2tnRHVyUFQ1UzQwTlBOYUhrMG05N0Exc3hfXzJWY2dlODBSTmFyWFg0d2ZMWWRfd182WXA2X3Y0c2ZxeGN1SWZmRDBaemhiTHFtQlppcjNsZWVodFJURXkyb2Z2LUNhLVYydWo0UEY2b3l0Y3ZTbGRWVXM?oc=5) · Miami Today
- 2017-01-09 [Brickell bank robbery on Facebook Live (PT. 1) (Video) - Miami Herald](https://news.google.com/rss/articles/CBMidEFVX3lxTE5VU0RTNkVkY0w2Rk5DdUE2OGpzcW1pSkJybENRM2QxQV9FVVE3M2RPTTQzcUw4VG1PRlAxN1pRVTZhMGxjV2IxU1JaeVNtN1ZyN1VybWdwajkxMFY0UnhQTDd1ZjFranRIOFVvdWlsbHhDWHBv?oc=5) · Miami Herald
- 2015-11-13 [Sale of Citizens Bank leaves 44 foreign-owned banks that are FDIC-insured - Cleveland.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxOdkFBNGxOM3pxTmtLcGhxVnJIVEtyYjVGcmRKd0IyRVhjYnR6bnBYdmtWU2MzalZnSWwyTXVBdkM2ZXRiVmVUSkZ4dGtEWTJ3Nm5hcndSV2laNW4yd012OEVFZTNXVEdjVGtNQ1VabnM0ZWVYWVlWYUZCaGxFNTZnbXJYQi0?oc=5) · Cleveland.com
- 2017-07-28 [Top bankers drive economy, community and culture - The Business Journals](https://news.google.com/rss/articles/CBMirgFBVV95cUxOWjJnQjgyc2FPMjFZdmRqQlJMcWd6anF3MHhwZXJpQi15YTIzSHNqM0tLd2NJcEdzR3NXbkNBak1oaUJPQVR4aWhjRHZ1TWlmYjBIcWpHWmJRVWtEcWlpY0QtQjhuQy1BZ3k4RWluSG1LSnJrejI5czd4djZOdVBNUzRpbGpXamJEWTdseFotR1B2M05rTkNvVWpFQ1dBcERGRDl3OE5xNWZzMld5UUE?oc=5) · The Business Journals
- 2016-07-29 [Power Leaders in Banking & Finance: South Florida's financial heroes - The Business Journals](https://news.google.com/rss/articles/CBMimgFBVV95cUxQZmNlbW9oaFh2QS1RcWxFdnp0eDZZZlRVcnNLZzE0VXpfaFhzUkQ2TXRrVnNteVM0dGFmVGN1NzFiazVSa3UxbXpBLTcxcHFiaFFlelhkT1FMU2pxLVFwQTlVUTFFQndGUmZCNUhRUFM4SlJpS3gxV09HNW1lMXhBUTN6Rk5kSFZBODNiS2tWZXBCbnN1V0poanJn?oc=5) · The Business Journals
- 2015-07-27 [Espirito Santo rebrands as Brickell Bank - The Business Journals](https://news.google.com/rss/articles/CBMitgFBVV95cUxOZGFrcG1RZkdFZVJkS2dicDlJV053b3RQMHIxU3pvYTluNnlyU1VMZEdRb014aC1OcXhtRUZUZk10TTVzNnBTWVBmZmY0Y0c2QklTUDdRXzZrNmhOZkU1TEhQVDhkcHRPMU1NOGIwMzd0V0oyV0pGVEU5LXJCQ3IwQTF6SXVtLUV5WUhHUGxNcTBZZWNWa1UzVDRWVkUzdG5VS0tvTGVCY2hLNXpzaDZTRGt4UGdBQQ?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=21220 (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/36.json (key "21220", 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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