# PNA BANK
CHICAGO, IL · FDIC certificate 28299 · asset band <$300M · latest filing 2015-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 6 (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 | $96.5M | |
| Deposits | $90.0M | |
| Loans and leases | $72.9M | |
| Total equity | $6.2M | |
| Loans / deposits | 78.64% (p61 of band) | 72.67% |
| Liquid assets / assets | 22.62% (p27 of band) | |
| Uninsured deposits / deposits | 1.13% (p2 of band) | 13.36% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p17 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 6.36% (p2 of band) | 10.53% |
| Unrealized securities loss / equity | 0.94% (p67 of band) | 0.18% |
| AOCI / equity | 0.87% (p96 of band) | |
| ROA (annualized) | 1.40% (p82 of band) | 0.82% |
| Net interest margin | 3.51% (p44 of band) | 3.60% |
| Efficiency ratio | 99.52% (p93 of band) | |
| Noncurrent loans | 7.98% (p99 of band) | 0.74% |
| Net charge-offs (annualized) | 0.05% (p67 of band) | |
| Reserve coverage of noncurrent | 35.63% | |
| Real estate % of loans | 100% | |
| Construction % of loans | 0.00% (p7 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 | -7.0% | |
| Employees | 18 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **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 | 4 | losing money, noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 4 |  |  |
| 2011-09 | 7 | leverage <7%, capital falling, expense ratio p90 |  |
| 2011-12 | 9 | leverage <5% |  |
| 2012-03 | 11 | deposits shrinking, assets shrinking, uninsured deposits leaving | expense ratio p90 |
| 2012-06 | 11 |  |  |
| 2012-09 | 11 |  |  |
| 2012-12 | 10 |  | uninsured deposits leaving |
| 2013-03 | 10 |  |  |
| 2013-06 | 10 |  |  |
| 2013-09 | 9 |  | capital falling |
| 2013-12 | 10 | uninsured deposits leaving |  |
| 2014-03 | 8 |  | losing money, charge-offs p90 |
| 2014-06 | 9 | expense ratio p90 |  |
| 2014-09 | 6 |  | leverage <5%, uninsured deposits leaving |
| 2014-12 | 6 |  |  |
| 2015-03 | 7 | charge-offs p90 |  |
| 2015-06 | 6 |  | charge-offs p90 |

## 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=28299 (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 "28299", 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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