# VIGILANT FSB
BALTIMORE, MD · FDIC certificate 32547 · asset band <$300M · latest filing 2013-03 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $49.0M | |
| Deposits | $41.4M | |
| Loans and leases | $28.0M | |
| Total equity | $4.0M | |
| Loans / deposits | 66.71% (p50 of band) | 66.54% |
| Liquid assets / assets | 36.88% (p49 of band) | |
| Uninsured deposits / deposits | 8.55% (p33 of band) | 11.77% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 6.12% (p76 of band) | |
| FHLB advances / assets | 6.12% | |
| Tier 1 leverage | 8.14% (p14 of band) | 10.04% |
| Unrealized securities loss / equity | 10.83% (p91 of band) | 2.48% |
| AOCI / equity | 0.00% (p79 of band) | |
| ROA (annualized) | 0.33% (p23 of band) | 0.72% |
| Net interest margin | 4.15% (p80 of band) | 3.55% |
| Efficiency ratio | 91.31% (p82 of band) | |
| Noncurrent loans | 3.83% (p83 of band) | 1.19% |
| Net charge-offs (annualized) | 0.44% (p89 of band) | |
| Reserve coverage of noncurrent | 31.93% | |
| Real estate % of loans | 98% | |
| Construction % of loans | 5.14% (p30 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -7.7% | |
| Employees | 9 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | leverage <7%, securities losses >30% of equity, losing money |  |
| 2011-06 | 3 | reserve under noncurrent | losing money |
| 2011-09 | 3 |  |  |
| 2011-12 | 3 |  |  |
| 2012-03 | 2 |  | securities losses >30% of equity |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 | assets shrinking | leverage <7% |
| 2012-12 | 4 | deposits shrinking, uninsured deposits leaving |  |
| 2013-03 | 3 |  | uninsured deposits leaving |

## 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=32547 (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/35.json (key "32547", 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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