# PULASKI BANK NATIONAL ASSN
SAINT LOUIS, MO · FDIC certificate 30284 · asset band $1-10B · latest filing 2016-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 4 (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 | $1.66B | |
| Deposits | $1.14B | |
| Loans and leases | $1.36B | |
| Total equity | $219.4M | |
| Loans / deposits | 118.79% (p96 of band) | 88.75% |
| Liquid assets / assets | 7.02% (p2 of band) | |
| Uninsured deposits / deposits | 19.75% (p33 of band) | 25.63% |
| Brokered deposits | 9.22% | |
| Wholesale funding | 25.10% (p91 of band) | |
| FHLB advances / assets | 14.30% | |
| Tier 1 leverage | 9.12% (p30 of band) | 9.74% |
| Unrealized securities loss / equity | 0.07% (p8 of band) | 2.06% |
| AOCI / equity | 0.05% (p12 of band) | |
| ROA (annualized) | 0.71% (p26 of band) | 0.96% |
| Net interest margin | 2.16% (p5 of band) | 3.47% |
| Efficiency ratio | 49.94% (p12 of band) | |
| Noncurrent loans | 0.24% (p19 of band) | 0.62% |
| Net charge-offs (annualized) | -0.09% (p3 of band) | |
| Reserve coverage of noncurrent | 111.82% | |
| Real estate % of loans | 78% | |
| Construction % of loans | 32.76% (p43 of band) | |
| Auto loans | $62,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $2.0M (1% of equity) (p79 of band) | |
| Deposits YoY | -0.3% | |
| Employees | 527 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)
- **liquid assets <10%** (`liq_thin`)
- **NIM <2.5%** (`earn_nim`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | brokered >10%, wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 2 |  | wholesale funding >15% |
| 2011-09 | 3 | liquid assets <10% |  |
| 2011-12 | 3 | loans exceed deposits | brokered >10% |
| 2012-03 | 6 | brokered >10%, charge-offs p90, uninsured deposits leaving |  |
| 2012-06 | 5 |  | loans exceed deposits |
| 2012-09 | 6 | loans exceed deposits, wholesale funding >15%, capital falling | brokered >10%, uninsured deposits leaving |
| 2012-12 | 6 |  |  |
| 2013-03 | 4 | brokered >10% | liquid assets <10%, charge-offs p90, capital falling |
| 2013-06 | 4 | deposits shrinking | brokered >10% |
| 2013-09 | 6 | charge-offs p90, assets shrinking |  |
| 2013-12 | 8 | brokered >10%, capital falling |  |
| 2014-03 | 6 |  | assets shrinking, brokered >10% |
| 2014-06 | 4 |  | deposits shrinking, charge-offs p90 |
| 2014-09 | 4 | brokered >10% | capital falling |
| 2014-12 | 5 | liquid assets <10% |  |
| 2015-03 | 5 |  |  |
| 2015-06 | 4 |  | liquid assets <10% |
| 2015-09 | 4 |  |  |
| 2015-12 | 4 | liquid assets <10% | reserve under noncurrent |
| 2016-03 | 5 | capital falling, reserve under noncurrent | liquid assets <10% |
| 2016-06 | 7 | liquid assets <10%, NIM <2.5% |  |
| 2016-09 | 4 |  | brokered >10%, capital falling, reserve under noncurrent |

## In the news (Google News, unfiltered, newest first; check the city)

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## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=30284 (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/12.json (key "30284", 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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