# GIBRALTAR PRIVATE B&T CO
CORAL GABLES, FL · FDIC certificate 32212 · asset band $1-10B · latest filing 2017-12 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $1.61B | |
| Deposits | $1.05B | |
| Loans and leases | $1.48B | |
| Total equity | $146.9M | |
| Loans / deposits | 138.48% (p99 of band) | 90.29% |
| Liquid assets / assets | 7.52% (p4 of band) | |
| Uninsured deposits / deposits | 41.61% (p82 of band) | 26.14% |
| Brokered deposits | 0.24% | |
| Wholesale funding | 25.13% (p90 of band) | |
| FHLB advances / assets | 24.89% | |
| Tier 1 leverage | 9.02% (p24 of band) | 9.96% |
| Unrealized securities loss / equity | -0.03% (p73 of band) | -0.71% |
| AOCI / equity | 0.31% (p64 of band) | |
| ROA (annualized) | 0.27% (p7 of band) | 0.92% |
| Net interest margin | 3.21% (p26 of band) | 3.55% |
| Efficiency ratio | 90.87% (p99 of band) | |
| Noncurrent loans | 0.76% (p68 of band) | 0.50% |
| Net charge-offs (annualized) | -0.04% (p5 of band) | |
| Reserve coverage of noncurrent | 193.14% | |
| Real estate % of loans | 95% | |
| Construction % of loans | 76.95% (p81 of band) | |
| Auto loans | $44,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p37 of band) | |
| Deposits YoY | 4.5% | |
| Employees | 255 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)
- **liquid assets <10%** (`liq_thin`)
- **capital falling** (`cap_falling`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | loans exceed deposits, brokered >10%, wholesale funding >15%, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 6 | losing money |  |
| 2011-09 | 4 |  | loans exceed deposits, construction >100% equity |
| 2011-12 | 5 | expense ratio p90 |  |
| 2012-03 | 6 | capital falling, noncurrent p90 | brokered >10% |
| 2012-06 | 7 | assets shrinking |  |
| 2012-09 | 6 | brokered >10% | capital falling, assets shrinking |
| 2012-12 | 6 | uninsured deposits leaving | brokered >10% |
| 2013-03 | 4 |  | losing money, uninsured deposits leaving |
| 2013-06 | 5 | losing money |  |
| 2013-09 | 5 |  |  |
| 2013-12 | 8 | loans exceed deposits, deposits shrinking, assets shrinking |  |
| 2014-03 | 6 | liquid assets <10% | wholesale funding >15%, deposits shrinking, assets shrinking |
| 2014-06 | 5 | wholesale funding >15%, deposits shrinking | noncurrent p90, losing money, liquid assets <10% |
| 2014-09 | 5 |  |  |
| 2014-12 | 5 | liquid assets <10% | reserve under noncurrent |
| 2015-03 | 5 | losing money | liquid assets <10% |
| 2015-06 | 5 | liquid assets <10% | losing money |
| 2015-09 | 4 |  | deposits shrinking |
| 2015-12 | 6 | deposits shrinking, uninsured deposits leaving |  |
| 2016-03 | 5 | losing money | liquid assets <10%, uninsured deposits leaving |
| 2016-06 | 6 | liquid assets <10% |  |
| 2016-09 | 5 |  | liquid assets <10% |
| 2016-12 | 5 | liquid assets <10% | losing money |
| 2017-03 | 5 |  |  |
| 2017-06 | 4 |  | deposits shrinking |
| 2017-09 | 4 |  |  |
| 2017-12 | 5 | capital falling |  |

## 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=32212 (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/20.json (key "32212", 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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