# BROOKLYN FSB
BROOKLYN, NY · FDIC certificate 29272 · asset band $300M-1B · latest filing 2011-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (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 | $440.2M | |
| Deposits | $385.7M | |
| Loans and leases | $237.0M | |
| Total equity | $41.5M | |
| Loans / deposits | 60.38% (p17 of band) | 76.92% |
| Liquid assets / assets | 45.42% (p85 of band) | |
| Uninsured deposits / deposits | 2.12% (p4 of band) | 12.31% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.39% (p26 of band) | |
| FHLB advances / assets | 1.86% | |
| Tier 1 leverage | 9.00% (p39 of band) | 9.47% |
| Unrealized securities loss / equity | 410.69% (p100 of band) | 3.82% |
| AOCI / equity | 3.87% (p76 of band) | |
| ROA (annualized) | 1.88% (p95 of band) | 0.70% |
| Net interest margin | 2.45% (p4 of band) | 3.76% |
| Efficiency ratio | 111.33% (p96 of band) | |
| Noncurrent loans | 34.42% (p100 of band) | 2.06% |
| Net charge-offs (annualized) | 0.82% (p77 of band) | |
| Reserve coverage of noncurrent | 4.99% | |
| Real estate % of loans | 99% | |
| Construction % of loans | 151.36% (p95 of band) | |
| Auto loans | $28,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (– of equity) | |
| Deposits YoY | – | |
| Employees | 80 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | noncurrent p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 4 | charge-offs p90 |  |
| 2011-12 | 5 | expense ratio p90, NIM <2.5% | 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=29272 (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/24.json (key "29272", 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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