# PARK VIEW FSB
SOLON, OH · FDIC certificate 28235 · asset band $300M-1B · latest filing 2013-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $760.8M | |
| Deposits | $644.0M | |
| Loans and leases | $554.1M | |
| Total equity | $80.6M | |
| Loans / deposits | 83.85% (p65 of band) | 77.22% |
| Liquid assets / assets | 20.52% (p26 of band) | |
| Uninsured deposits / deposits | 10.30% (p21 of band) | 17.49% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 4.60% (p44 of band) | |
| FHLB advances / assets | 4.60% | |
| Tier 1 leverage | 10.55% (p63 of band) | 9.97% |
| Unrealized securities loss / equity | 0.54% (p74 of band) | -0.65% |
| AOCI / equity | 0.45% (p98 of band) | |
| ROA (annualized) | 1.06% (p68 of band) | 0.83% |
| Net interest margin | 3.26% (p30 of band) | 3.56% |
| Efficiency ratio | 77.78% (p72 of band) | |
| Noncurrent loans | 2.74% (p79 of band) | 1.31% |
| Net charge-offs (annualized) | 0.19% (p68 of band) | |
| Reserve coverage of noncurrent | 92.36% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 47.37% (p66 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -4.9% | |
| Employees | 165 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | losing money, expense ratio p90, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 4 |  |  |
| 2011-09 | 4 | capital falling | charge-offs p90 |
| 2011-12 | 5 | charge-offs p90 |  |
| 2012-03 | 2 |  | losing money, expense ratio p90, capital falling |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 3 | deposits shrinking, assets shrinking | charge-offs p90 |
| 2013-06 | 1 |  | deposits shrinking, assets shrinking |
| 2013-09 | 1 |  |  |

## 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=28235 (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/11.json (key "28235", 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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