# SAVANNAH BANK NATIONAL ASSN
SAVANNAH, GA · FDIC certificate 33120 · asset band $300M-1B · latest filing 2012-09 · 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 | $671.5M | |
| Deposits | $586.3M | |
| Loans and leases | $515.8M | |
| Total equity | $57.1M | |
| Loans / deposits | 85.82% (p71 of band) | 75.94% |
| Liquid assets / assets | 20.88% (p26 of band) | |
| Uninsured deposits / deposits | 18.75% (p75 of band) | 12.76% |
| Brokered deposits | 6.39% | |
| Wholesale funding | 10.02% (p69 of band) | |
| FHLB advances / assets | 1.51% | |
| Tier 1 leverage | 8.04% (p13 of band) | 9.72% |
| Unrealized securities loss / equity | 3.42% (p41 of band) | 4.38% |
| AOCI / equity | 0.45% (p46 of band) | |
| ROA (annualized) | -1.72% (p1 of band) | 0.85% |
| Net interest margin | 3.83% (p59 of band) | 3.69% |
| Efficiency ratio | 66.14% (p44 of band) | |
| Noncurrent loans | 3.74% (p78 of band) | 1.75% |
| Net charge-offs (annualized) | 1.93% (p97 of band) | |
| Reserve coverage of noncurrent | 65.60% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 112.71% (p94 of band) | |
| Auto loans | $1.0M (0.19% of loans; DQ 4.89%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -7.0% | |
| Employees | 98 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 3 | brokered >10% |  |
| 2011-12 | 2 |  | brokered >10% |
| 2012-03 | 6 | losing money, charge-offs p90, deposits shrinking, assets shrinking |  |
| 2012-06 | 3 |  | losing money, deposits shrinking, assets shrinking |
| 2012-09 | 6 | losing money, deposits shrinking, assets shrinking |  |

## 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=33120 (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/32.json (key "33120", 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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