# PRINCE GEORGES FSB
UPPER MARLBORO, MD · FDIC certificate 28969 · asset band <$300M · latest filing 2014-06 · 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 | $101.4M | |
| Deposits | $88.6M | |
| Loans and leases | $71.0M | |
| Total equity | $12.7M | |
| Loans / deposits | 79.29% (p68 of band) | 70.22% |
| Liquid assets / assets | 26.89% (p33 of band) | |
| Uninsured deposits / deposits | 10.88% (p43 of band) | 12.36% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.50% (p75 of band) | 10.41% |
| Unrealized securities loss / equity | 0.14% (p47 of band) | 0.24% |
| AOCI / equity | 0.02% (p20 of band) | |
| ROA (annualized) | -0.05% (p8 of band) | 0.79% |
| Net interest margin | 3.41% (p38 of band) | 3.62% |
| Efficiency ratio | 95.58% (p89 of band) | |
| Noncurrent loans | 4.25% (p91 of band) | 0.88% |
| Net charge-offs (annualized) | 0.32% (p89 of band) | |
| Reserve coverage of noncurrent | 22.70% | |
| Real estate % of loans | 99% | |
| Construction % of loans | 19.40% (p56 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 | -7.5% | |
| Employees | 24 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 2 |  | losing money |
| 2011-09 | 1 |  | charge-offs p90 |
| 2011-12 | 1 |  |  |
| 2012-03 | 3 | capital falling, charge-offs p90 |  |
| 2012-06 | 2 |  | capital falling |
| 2012-09 | 3 | noncurrent p90 |  |
| 2012-12 | 2 |  | noncurrent p90 |
| 2013-03 | 2 | capital falling | charge-offs p90 |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 | noncurrent p90 | capital falling |
| 2013-12 | 2 |  |  |
| 2014-03 | 3 | capital falling, charge-offs p90 | noncurrent p90 |
| 2014-06 | 6 | losing money, noncurrent p90, deposits shrinking, assets shrinking, uninsured deposits leaving | capital falling, 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=28969 (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/41.json (key "28969", 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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