# FULLERTON FSA
NOTTINGHAM, MD · FDIC certificate 29514 · asset band <$300M · latest filing 2011-09 · 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 | $8.5M | |
| Deposits | $7.5M | |
| Loans and leases | $2.5M | |
| Total equity | $1.0M | |
| Loans / deposits | 33.33% (p6 of band) | 71.39% |
| Liquid assets / assets | 60.09% (p90 of band) | |
| Uninsured deposits / deposits | 0.04% (p2 of band) | 8.02% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p16 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.28% (p18 of band) | 9.99% |
| Unrealized securities loss / equity | 71.14% (p97 of band) | 3.72% |
| AOCI / equity | 2.24% (p57 of band) | |
| ROA (annualized) | -2.05% (p4 of band) | 0.72% |
| Net interest margin | 1.53% (p2 of band) | 3.86% |
| Efficiency ratio | 179.07% (p99 of band) | |
| Noncurrent loans | 14.68% (p98 of band) | 1.48% |
| Net charge-offs (annualized) | 0.00% (p17 of band) | |
| Reserve coverage of noncurrent | 13.40% | |
| 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 (– of equity) | |
| Deposits YoY | – | |
| Employees | 2 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | NIM <2.5%, reserve under noncurrent |  |
| 2011-06 | 5 | losing money, expense ratio p90, noncurrent p90 |  |
| 2011-09 | 5 |  |  |

## 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=29514 (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/10.json (key "29514", 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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