# BOULEVARD BANK
DES PERES, MO · FDIC certificate 30866 · asset band <$300M · latest filing 2015-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (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 | $19.8M | |
| Deposits | $0 | |
| Loans and leases | $0 | |
| Total equity | $19.1M | |
| Loans / deposits | 0.00% (p1 of band) | 73.15% |
| Liquid assets / assets | 94.38% (p99 of band) | |
| Uninsured deposits / deposits | – | 14.12% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p17 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 57.32% (p98 of band) | 10.64% |
| Unrealized securities loss / equity | 0.00% (p36 of band) | 0.27% |
| AOCI / equity | -6.63% (p1 of band) | |
| ROA (annualized) | -8.57% (p0 of band) | 0.82% |
| Net interest margin | 2.70% (p10 of band) | 3.64% |
| Efficiency ratio | 0.00% (p0 of band) | |
| Noncurrent loans | 0.00% (p7 of band) | 0.67% |
| Net charge-offs (annualized) | 0.03% (p52 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | – | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $0 (– of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -100.0% | |
| Employees | 0 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 1 |  | reserve under noncurrent |
| 2011-12 | 2 | capital falling |  |
| 2012-03 | 0 |  | wholesale funding >15%, capital falling |
| 2012-06 | 0 |  |  |
| 2012-09 | 2 | wholesale funding >15%, uninsured deposits leaving |  |
| 2012-12 | 3 | brokered >10% |  |
| 2013-03 | 4 | reserve under noncurrent |  |
| 2013-06 | 3 |  | uninsured deposits leaving |
| 2013-09 | 4 | capital falling |  |
| 2013-12 | 4 |  |  |
| 2014-03 | 4 | uninsured deposits leaving | reserve under noncurrent |
| 2014-06 | 4 |  |  |
| 2014-09 | 5 | auto book souring |  |
| 2014-12 | 4 |  | capital falling |
| 2015-03 | 6 | leverage <7%, losing money, reserve under noncurrent | uninsured deposits leaving |
| 2015-06 | 7 | noncurrent p90, deposits shrinking, assets shrinking | auto book souring, leverage <7% |
| 2015-09 | 7 | loans exceed deposits, uninsured deposits >50%, uninsured deposits leaving | wholesale funding >15%, brokered >10%, noncurrent p90 |
| 2015-12 | 3 |  | reserve under noncurrent, loans exceed deposits, uninsured deposits >50%, uninsured deposits leaving |

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

- 2012-06-04 [Western District of Missouri - Department of Justice (.gov)](https://news.google.com/rss/articles/CBMickFVX3lxTE1OX29hbmczSjR5SUlyZWJtRW1raWd5VHNYU0todHhfdHZJUTZnZjFFTnFRTTlieG0wbW5oQ2MxRHRPREhqYVN1ZzB2a2VpR3ItOFNrckxtV053YXFRRl9UZV9WaVhjM1hVVENIYm1yNko3UQ?oc=5) · Department of Justice (.gov)
- 2015-05-12 [Profits fall 14 percent at St. Louis banks on loss at Boulevard - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxQRFljemFxNGx2NVpkd01wQmRFeVR6QWY3cjlhTXhBVHNNR19uMTB1bWdYYXdBMFAzVmN0NXEyTjN6OERoR0tPWHZBeUtCWDg5UHRSVDVRc1hGWHhJUVJkbUJlLW5PeDRiUkJab3dMbnAwZVEycnhQYWlQbE5KcXZHaDZrdWtIaHl3VkNxN2NGN1RpZ1FwMmtVQ1ZLZXRDak1BbER3OWdR?oc=5) · The Business Journals
- 2024-02-04 [Jean Collins Obituary - Naranja, FL - Dignity Memorial](https://news.google.com/rss/articles/CBMigAFBVV95cUxOYlVYMTZGTXU3MFA1M1FQNC1qeFpTSmg4ei16Y2pzSTRVM3A0b3BaaEU0TEtWYkZ3c0h2M05mRTlIeEtkcVZTanpGbnpRRWpsNzJ6UlBieDF0QUc2a0tDYlRTeEFRaTJBSE5UYzZWMFhpZGN4MHlQQnJqelVISklrUw?oc=5) · Dignity Memorial
- 2020-09-05 [Christine O. Lyons – September 5, 2020 - Shrine Of Remembrance Colorado Springs Funeral Home](https://news.google.com/rss/articles/CBMie0FVX3lxTE41MmotYTA4Q0xmSms2bzhMMmVPUzVLckdfY0pZdFFrTEs2MF9fQmRqOFI3bjdaa093aUVZUElGWUJqZEJWWWNFRnA5Sk9xQ3UtWXdQZ2lVWGRVUDM5cktVTVpVLXpUdFhDM0E5ZEdCdzVoV2NtMlZ5YjkxQQ?oc=5) · Shrine Of Remembrance Colorado Springs Funeral Home

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=30866 (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/18.json (key "30866", 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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