# PRESTON NATIONAL BANK
DALLAS, TX · FDIC certificate 26222 · asset band <$300M · latest filing 2016-03 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 5 (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 | $58.8M | |
| Deposits | $48.4M | |
| Loans and leases | $55.5M | |
| Total equity | $9.4M | |
| Loans / deposits | 113.12% (p98 of band) | 72.92% |
| Liquid assets / assets | 3.61% (p0 of band) | |
| Uninsured deposits / deposits | 21.45% (p77 of band) | 13.88% |
| Brokered deposits | 7.65% | |
| Wholesale funding | 9.35% (p82 of band) | |
| FHLB advances / assets | 1.70% | |
| Tier 1 leverage | 14.83% (p86 of band) | 10.70% |
| Unrealized securities loss / equity | 0.00% (p14 of band) | 1.19% |
| AOCI / equity | 0.00% (p12 of band) | |
| ROA (annualized) | 1.91% (p92 of band) | 0.83% |
| Net interest margin | 5.86% (p99 of band) | 3.64% |
| Efficiency ratio | 67.73% (p38 of band) | |
| Noncurrent loans | 1.56% (p73 of band) | 0.70% |
| Net charge-offs (annualized) | 0.00% (p46 of band) | |
| Reserve coverage of noncurrent | 92.62% | |
| Real estate % of loans | 75% | |
| Construction % of loans | 127.82% (p98 of band) | |
| Auto loans | $212,000 (0.38% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -3.2% | |
| Employees | 15 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **liquid assets <10%** (`liq_thin`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | loans exceed deposits, liquid assets <10% |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 0 |  | loans exceed deposits, liquid assets <10% |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 4 | loans exceed deposits, liquid assets <10%, deposits shrinking, assets shrinking |  |
| 2013-09 | 3 |  | assets shrinking |
| 2013-12 | 3 |  |  |
| 2014-03 | 4 | capital falling, charge-offs p90, construction >100% equity | liquid assets <10%, deposits shrinking |
| 2014-06 | 4 | liquid assets <10% | charge-offs p90 |
| 2014-09 | 4 |  |  |
| 2014-12 | 4 |  |  |
| 2015-03 | 4 | wholesale funding >15% | capital falling |
| 2015-06 | 3 |  | wholesale funding >15% |
| 2015-09 | 3 |  |  |
| 2015-12 | 3 |  |  |
| 2016-03 | 5 | reserve under noncurrent, assets shrinking |  |

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

- 2018-01-25 [OCC Announces 14 New Enforcement Actions and One Termination - occ.gov](https://news.google.com/rss/articles/CBMifEFVX3lxTE9HYmo5eDN5Z3g0a2NkN010QzhKT0JodXJsN2ZYZEVGbnFqX2U4Ul96aTJoWWMzeGxoM3A5ekNwZ0otLTM5X2RyaUxQYzNVRWFKaXBfNWN6Yk83dF9FTk03T0l3aDktQl9wcTl2dHhnTXpXaW1DY3FnbmUzeW4?oc=5) · occ.gov
- 2017-07-02 [William Bruce Cannon - The Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMihwFBVV95cUxOZDVTdlNNY1k0bGhBR1o0LWZHN0xiNExLMUZhZ2tVdTAyMlo5R3pfcFdkaTVsNTlieC1LT3RQbzRIazVGTmFNNUdZbTNVeWtrOGdla2ltY1NPYk1kX09OQ3lVTGd4U1otazBXc1JlZWxBTnlxclJ5dVZ1c2txYm9aS2NmWVZBTTg?oc=5) · The Arkansas Democrat-Gazette
- 2003-05-02 [Chad Brooks Obituary (2003) - Dallas News](https://news.google.com/rss/articles/CBMinwFBVV95cUxPczZOZVR1OWExeW1VZ1hOVC1CQ1dtUzJCdjRENUd3dGRIcl9HUlFvMkg2QUpPMWFtX3V6TmpuNFZFWFRCQ3BoM2RyNzFlU2hFSWM1OWdQMmtzR0FjREJSRWIwdEJHMFUwR3o5SzBZRWVXTm9YQ29WbW5wdDJuVWdnb09OZzRCc1JlUEhSSW1uUnlaOHZYR2pMeWhYOF9YR2M?oc=5) · Dallas News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=26222 (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/46.json (key "26222", 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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