# M&I BANK FSB
LAS VEGAS, NV · FDIC certificate 28923 · asset band $1-10B · latest filing 2011-06 · 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 | $1.19B | |
| Deposits | $679.3M | |
| Loans and leases | $1.02B | |
| Total equity | $183.1M | |
| Loans / deposits | 139.75% (p98 of band) | 79.44% |
| Liquid assets / assets | 9.43% (p3 of band) | |
| Uninsured deposits / deposits | 8.37% (p23 of band) | 17.54% |
| Brokered deposits | 46.27% | |
| Wholesale funding | 71.36% (p98 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.62% (p74 of band) | 9.28% |
| Unrealized securities loss / equity | 36.60% (p91 of band) | 2.76% |
| AOCI / equity | 0.66% (p42 of band) | |
| ROA (annualized) | -0.74% (p7 of band) | 0.72% |
| Net interest margin | 4.42% (p86 of band) | 3.67% |
| Efficiency ratio | 57.89% (p30 of band) | |
| Noncurrent loans | 2.51% (p49 of band) | 2.56% |
| Net charge-offs (annualized) | 8.79% (p99 of band) | |
| Reserve coverage of noncurrent | 269.94% | |
| Real estate % of loans | 71% | |
| Construction % of loans | 39.11% (p50 of band) | |
| Auto loans | $14.2M (1.39% of loans; DQ 1.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (– of equity) | |
| Deposits YoY | – | |
| Employees | 203 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **liquid assets <10%** (`liq_thin`)
- **losing money** (`earn_negative`)
- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 6 | loans exceed deposits, brokered >10%, wholesale funding >15%, liquid assets <10%, losing money, charge-offs p90 |  |
| 2011-06 | 6 |  |  |

## 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=28923 (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/59.json (key "28923", 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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