# INLAND COMMUNITY BANK NA
RIALTO, CA · FDIC certificate 32916 · asset band <$300M · latest filing 2012-09 · 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 | $212.3M | |
| Deposits | $173.6M | |
| Loans and leases | $164.6M | |
| Total equity | $28.5M | |
| Loans / deposits | 92.51% (p90 of band) | 69.20% |
| Liquid assets / assets | 12.88% (p5 of band) | |
| Uninsured deposits / deposits | 22.73% (p94 of band) | 8.50% |
| Brokered deposits | 4.39% | |
| Wholesale funding | 8.63% (p81 of band) | |
| FHLB advances / assets | 4.24% | |
| Tier 1 leverage | 13.51% (p83 of band) | 10.13% |
| Unrealized securities loss / equity | 0.29% (p15 of band) | 3.81% |
| AOCI / equity | 0.13% (p42 of band) | |
| ROA (annualized) | 0.23% (p18 of band) | 0.80% |
| Net interest margin | 4.32% (p79 of band) | 3.77% |
| Efficiency ratio | 86.39% (p78 of band) | |
| Noncurrent loans | 4.98% (p88 of band) | 1.27% |
| Net charge-offs (annualized) | 0.29% (p73 of band) | |
| Reserve coverage of noncurrent | 48.07% | |
| Real estate % of loans | 93% | |
| Construction % of loans | 3.45% (p25 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 | -17.6% | |
| Employees | 56 | |

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | brokered >10%, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 3 | losing money |  |
| 2011-12 | 4 | noncurrent p90 |  |
| 2012-03 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving | brokered >10%, losing money |
| 2012-06 | 5 |  |  |
| 2012-09 | 4 |  | noncurrent p90 |

## 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=32916 (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 "32916", 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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