# UNITED-AMERICAN SAVINGS BANK
PITTSBURGH, PA · FDIC certificate 27033 · asset band <$300M · latest filing 2016-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (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 | $80.5M | |
| Deposits | $72.0M | |
| Loans and leases | $64.7M | |
| Total equity | $7.9M | |
| Loans / deposits | 89.45% (p79 of band) | 72.92% |
| Liquid assets / assets | 16.32% (p14 of band) | |
| Uninsured deposits / deposits | 2.25% (p3 of band) | 13.88% |
| Brokered deposits | 1.23% | |
| Wholesale funding | 1.23% (p47 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.91% (p17 of band) | 10.70% |
| Unrealized securities loss / equity | 0.00% (p14 of band) | 1.19% |
| AOCI / equity | 6.35% (p99 of band) | |
| ROA (annualized) | -2.85% (p1 of band) | 0.83% |
| Net interest margin | 3.39% (p36 of band) | 3.64% |
| Efficiency ratio | 203.71% (p100 of band) | |
| Noncurrent loans | 0.85% (p55 of band) | 0.70% |
| Net charge-offs (annualized) | 0.00% (p46 of band) | |
| Reserve coverage of noncurrent | 66.85% | |
| Real estate % of loans | 99% | |
| Construction % of loans | 40.70% (p76 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -3.9% | |
| Employees | 15 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **reserve under noncurrent** (`aq_reserve`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 2 | capital falling |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 1 |  | capital falling |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 2 | capital falling |  |
| 2014-03 | 1 |  | capital falling |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 0 |  | reserve under noncurrent |
| 2015-12 | 1 | reserve under noncurrent |  |
| 2016-03 | 4 | losing money, expense ratio p90, assets shrinking |  |

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

- 2015-12-30 [Farmers National, United-American to merge - The Business Journals](https://news.google.com/rss/articles/CBMiowFBVV95cUxOUWgzVEhwa1RVVmF6V0I3bHpJQWhQc0ZpUk5CRGszX3RKR09pbHFWamdPLXhmQi14UVlRalJIZDNFWExBcVAzLS1ZNXdLY0t5VEpRYktTa1NVT09hU0xLbVlfMXVTZWpCc3B6MGNRXzdCNEhRWEZUSFlrbnI2Y005NTJmS3F1U3ljN2ZXMGdSY010ckJ1aFdIdlk2ZkYzMHFVLWdv?oc=5) · The Business Journals
- 2015-11-28 [Obituary for Theodore E. "Ted" Javorsky - thomasjgmiterfh.com](https://news.google.com/rss/articles/CBMiakFVX3lxTE5FWHhmc29reTUxU3hmaXBlQzJpNG85bFBfN080ZjFFYU1JRy1QT202NzMxd3dwUENHbjNEQ0lPSDB6d18wNjZlTXJqQXpwQjhkTld0WElOODRQRVFOQkxUMFdpWUtueUJoMnc?oc=5) · thomasjgmiterfh.com
- 2023-01-03 [Ohio-based Farmers National enters Pittsburgh - The Business Journals](https://news.google.com/rss/articles/CBMimgFBVV95cUxQRjM5SlhCZUhZUEZIN1JFOXRIMWsyb19RSm1YanFKT0plMkFBYk9LMEV6dWVsSk5uY2FCMk9XQWV5Vkk1ckhJMWd3dlpwV09yNTloNjJfS0xoR2lhOG1FOTEzUE9BT0I5LXZRSkw5bnJQRTJUZ3hIcVZkcVpVT0FUNGNhdm9qaXFkZlZMd3Y5Wkl1Z1NwcDVfMFdB?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=27033 (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/25.json (key "27033", 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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