# PREMIERWEST BANK
MEDFORD, OR · FDIC certificate 32975 · asset band $1-10B · latest filing 2013-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 6 (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 | $1.11B | |
| Deposits | $977.1M | |
| Loans and leases | $628.4M | |
| Total equity | $108.8M | |
| Loans / deposits | 62.47% (p23 of band) | 77.83% |
| Liquid assets / assets | 36.78% (p70 of band) | |
| Uninsured deposits / deposits | 9.93% (p19 of band) | 20.86% |
| Brokered deposits | 0.02% | |
| Wholesale funding | 0.97% (p13 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.95% (p32 of band) | 9.62% |
| Unrealized securities loss / equity | 6.95% (p81 of band) | 3.09% |
| AOCI / equity | -0.10% (p65 of band) | |
| ROA (annualized) | -1.12% (p2 of band) | 0.87% |
| Net interest margin | 3.69% (p64 of band) | 3.49% |
| Efficiency ratio | 130.09% (p97 of band) | |
| Noncurrent loans | 3.22% (p81 of band) | 1.52% |
| Net charge-offs (annualized) | 0.16% (p58 of band) | |
| Reserve coverage of noncurrent | 89.47% | |
| Real estate % of loans | 78% | |
| Construction % of loans | 30.83% (p53 of band) | |
| Auto loans | $14.4M (2.30% of loans; DQ 3.48%, NCO 0.13%) | |
| Loans to nondepository financials | $2.1M (2% of equity) (p85 of band) | |
| Deposits YoY | -9.9% | |
| Employees | 376 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **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 | 5 | losing money, expense ratio p90, noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 5 |  |  |
| 2011-09 | 5 |  |  |
| 2011-12 | 5 |  |  |
| 2012-03 | 7 | deposits shrinking, assets shrinking, uninsured deposits leaving | noncurrent p90 |
| 2012-06 | 7 |  |  |
| 2012-09 | 6 |  | charge-offs p90 |
| 2012-12 | 6 |  |  |
| 2013-03 | 6 | capital falling | uninsured deposits leaving |

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

- 2016-06-23 [Prominent Rogue Valley businessman running for Mayor of Medford - kobi5.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxOZjR4dUtUSzUtTHJ1SjF6V0ViQUgyMXc3RHRJQ0E2MDNjX2x3ZzJ4NVpkb2VYOFRuWXRpWnlsNWhlWGNVbEpURlB5V1RqS2ZCcDVvQ2J4ZzZocTJ6VV9WRFNHZlFETWk2cjdRdnFvV0hCNDI3ejhqRThCaUliOE1fdEVpdGNFQkEyMUE?oc=5) · kobi5.com
- 2011-11-09 [Roseburg car dealer pleads guilty to bank fraud - KVAL](https://news.google.com/rss/articles/CBMigAFBVV95cUxNTEduYjBjNlFpX1phUTNMUFVpMkh2Wi1iWDNhN090UV9HZFB2OTBkTHVINWZLbUZuZ3V1Mi1qY3VMTkNqRjFrdzh1d0J4ZXFMNlZBSEdza21LaWtGdm9mTjRvQmlsZTE5Qk1OSnA2V2dhOXl4azJKNWN5R3Qzd1BTZQ?oc=5) · KVAL
- 2008-08-05 [Siskiyou Golden Fair opens tomorrow - Siskiyou Daily News](https://news.google.com/rss/articles/CBMitwFBVV95cUxQazBpUEtqcldFb0dTVlgtN1diOUN1WVlRVlp2WEJDOG12TWxtdExXWldXNFJ4cWh2Rmk5YWdjNmszOGo5YWY1R0x0anVpZFN5aEpCZjZsdmdrcVc3a09wbWdGNHlKMGFoNHNBem5uOXVtNGhaejFSZEJyWWJCUzh0SEFKcGdxMFJGdmVYWExkYS1jZFNjcl80TVpEalR1NDRLd2ttY2tibjUydHJ4bDdqVV94NzRTUEU?oc=5) · Siskiyou Daily News
- 2012-03-26 [Benefit for injured girls planned for April 2 - Mount Shasta Herald](https://news.google.com/rss/articles/CBMingFBVV95cUxNUnBkRlRxZTJRQ2FhZk5aaDhMVS1ZSW1qV3E3NWV5RHhac0JRWkxseHM3cFU4THFFckdobVZmbDFSMkJENlQzNGhhUkFuWlZCMjJMcXlwZllXWFVLVXAtZVJZdEtiY2RMWnNaaS1RcklzTXRDWjVkQjk4Q2g4aU9mMUlrUTAwTnluenBnaFhfRVB1R09mMFlOMGp0UDJoUQ?oc=5) · Mount Shasta Herald
- 2022-04-20 [Thomas Anderson Obituary (1951 - 2022) - Grants Pass, OR - Mail Tribune - legacy.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxPR2VnR1Axb2g2U1BLZTJhemE1ZXZzZXc3U0p6U0kxMGJ5Zm1uanBqQVdOdkJlVmhLSGozYm9KLUZ2VnZWRWVjVExnOXpxOV82MjU2WUZxV1paS2dZY0RFVWpQcThveTNWUHZNV1MwaVVqX011TnhnMEhKQ1QwelFFM19QZG12MzRTZkc4YV9BbU80SGRR?oc=5) · legacy.com
- 2009-12-11 [Mitch Morehead Benefit - Red Bluff Daily News](https://news.google.com/rss/articles/CBMihgFBVV95cUxNVGVQUkJRSkpuVzBleGJWZzdhMzhOa1owNjctQ0hEZjRfRktieDFtYjBqRV9GT1BFQVdlYTFveFJJN0tWZkVZRXhmSXM4N2pISnl5U00yNWZXeU4wYi1XbGJ5VWcyOWNnYzJUdFozaWk3YmZ1YVQ4cVNSbVVRbEljMDg4UE5yUQ?oc=5) · Red Bluff Daily News
- 2012-07-05 [2011 Siskiyou Golden Fair – Music - Siskiyou Daily News](https://news.google.com/rss/articles/CBMipwFBVV95cUxPUHFmcDlrQXpOeDlnVTlPM3doZldIdkx3b2FmRVo2NG5GZERrYzJLZEdfUjhILTVwR18wZXdlbG8tQmF4WG9PUW5XN013S1VqMzhHS3Y5SEQ1UHlwTnF5R05wX2thTE5VT2tjYUkwbTBWV1dxY3NBR3BGdnBkZm92cXBqY3NwLTkwaXk1RFRaZFA0V1BmMk9XVTBsOUp0bUxtWVVQYi1BOA?oc=5) · Siskiyou Daily News
- 2012-03-19 [Fund set up for two girls injured in DUI crash - Mount Shasta Herald](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPWnlkbEZITWEwQ011Y1NmRlZZZUlDb2ZyTWl2NjlvVllqdnZWcFU5OE5RSXlzTXdLNXJVYXFFYV81dVpLNjJvSkVQSVZla3ZOUTVYa2Nzdjd0X3Z0dHhFNmh6aG9kNFNyRlljWl92akdFUk1NZFBEV1ZReHVVRWVCYmg3ZHNlNWNldE9V?oc=5) · Mount Shasta Herald

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=32975 (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/15.json (key "32975", 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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