# SAEHAN BANK
LOS ANGELES, CA · FDIC certificate 33435 · asset band $300M-1B · latest filing 2013-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (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 | $592.0M | |
| Deposits | $508.9M | |
| Loans and leases | $419.0M | |
| Total equity | $79.4M | |
| Loans / deposits | 79.91% (p56 of band) | 77.22% |
| Liquid assets / assets | 28.76% (p49 of band) | |
| Uninsured deposits / deposits | 27.17% (p78 of band) | 17.49% |
| Brokered deposits | 6.45% | |
| Wholesale funding | 6.45% (p54 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.86% (p91 of band) | 9.97% |
| Unrealized securities loss / equity | -0.73% (p49 of band) | -0.65% |
| AOCI / equity | -1.01% (p76 of band) | |
| ROA (annualized) | 0.40% (p16 of band) | 0.83% |
| Net interest margin | 3.15% (p24 of band) | 3.56% |
| Efficiency ratio | 90.06% (p91 of band) | |
| Noncurrent loans | 1.07% (p43 of band) | 1.31% |
| Net charge-offs (annualized) | 0.29% (p77 of band) | |
| Reserve coverage of noncurrent | 274.61% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 4.28% (p10 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -5.5% | |
| Employees | 139 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)
- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | brokered >10%, wholesale funding >15%, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 3 |  | charge-offs p90 |
| 2011-09 | 2 |  | reserve under noncurrent |
| 2011-12 | 4 | charge-offs p90, reserve under noncurrent |  |
| 2012-03 | 4 | capital falling, expense ratio p90 | charge-offs p90, reserve under noncurrent |
| 2012-06 | 4 |  |  |
| 2012-09 | 3 |  | wholesale funding >15% |
| 2012-12 | 2 |  | capital falling |
| 2013-03 | 3 | deposits shrinking, assets shrinking | brokered >10% |
| 2013-06 | 3 |  |  |
| 2013-09 | 2 |  | assets shrinking |

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

- 2012-03-01 [Bank Hostage Standoff Ends in Fiery Shootout - ABC News - Breaking News, Latest News and Videos](https://news.google.com/rss/articles/CBMimAFBVV95cUxPV3EzS3VpN0pLbGZvalpmSkpJYlhBOGtIcmFPNUdyQXlvckR4TGV5NXBneVU4SmdYQ1Z0VWppOVp4VVJjT2lTT3F2bExPU0Z1NEY1Mk9GUUZtUldUXzJIZFE0dWVCWUtuSXB5MU5aZ0o4U1JOYmJSWXlSZlpqVjBnbVExUUFZcW9qaXFuYjVjRWhkS3FWWUwtN9IBngFBVV95cUxOSWhKVU9rbHVCSURQcHdiMzJJLWJ3OE02UWV0YjVXbm96cnBCbnVwWE4tc1ZKM0dBV0Zja2lxMDJfSUE4cjlXWndwelBoeDc3clJ6QUlRYzh2OVE5cjUxdmxzS1VxZ1RzeDhlTTloM1lWN3hCOEVrajVnNUQtNlkzbUd1bU1rem1fMWtHcGxKZWg5b2JpcUcyakNsZHVidw?oc=5) · ABC News - Breaking News, Latest News and Videos
- 2014-04-12 [Irvine man in bank shootout with SWAT convicted - ABC7 Los Angeles](https://news.google.com/rss/articles/CBMif0FVX3lxTE91Sms3ZnZ3R3pNY0Q5c29vQVR1UkctR0hVc3FUT0dLbWFpXzMwSGxfdEU5RkxPcXVjdGY2aS1HYmtYUDNad1p3YkxqLWFkMnhjU0gzbHc3cFJDa29ZbXQwR1ZEZHBQN25GN1JKMjVHVW4tbi1nNjlLXzdGX3lnNVHSAYQBQVVfeXFMTjJmT1RhNWJ3QW95WEpIalhfSUJvM1hLWXBPZFpGMXJKY1pJWlN5Ym01bldfWjFzQkZxOHZFMFMxREx0Qm1mNzNPTmxQTFRKbWNsVmZZam9hSGVMX3hxczRxYlA0QnViT3lCc3UtSXJSY1ozdFdHUEstdmhQTDBqbGtoV3Zs?oc=5) · ABC7 Los Angeles
- 2012-03-02 [Suspect in bank shooting knew hostage - Orange County Register](https://news.google.com/rss/articles/CBMiggFBVV95cUxNa3VCeDRRYUZGVFV5bHFubEJCcW1iVEppV0ZMVGdON1J6aktuMkMzS2tmZUM1Y1NmTEY1Q2ZWMnN1QjhQT1JFeTcybTM5aTNQY2hMY0hEQ3h2RmtDdS1qWkVnaVZKbk1iS0N5bTdxblBWZ192T2M0RHU3NlluekxkZ2dn?oc=5) · Orange County Register
- 2012-03-01 [Man shot after allegedly taking hostage at Southern California bank - CNN](https://news.google.com/rss/articles/CBMiaEFVX3lxTFBIV1NaZjFWdW1pSGRzbW0tZWphZy1haV9IWEg1Tk1yeEhOcEd3bDdwcDZhVzRrQlBJaGlDZ1MweHYyWHIxSGU5MWxoVXRmQjNVZTUxMS1jX2U0dmNKQ0h2cFZ1LVRST3U1?oc=5) · CNN
- 2012-03-04 [Police: Suspect in Calif. bank standoff knew hostage - Police1](https://news.google.com/rss/articles/CBMirwFBVV95cUxQWk50WjIzeXFzNDBubFZjaElLaXlEMFhZZVNfTnhMS0VzbFA3TTY3NVhmaTByVnN6UWExUGNRNU9yQnVVaS1RM1M1RzgxV1pkTnFlR29IcUZFTUlXU1hqNVBHV19seXJZaVc3djAweFdZanlYRjdIRjJTc0RwWVJibHltT0p3YU5iUGhUVjFnbkpWZkNvd3VBb1kyMENvcXcycUJqQjdqazl1VTY4cEdv?oc=5) · Police1
- 2012-03-01 [Buena Park Bank Hostage Standoff Ends in Shots Fired - NBC Los Angeles](https://news.google.com/rss/articles/CBMifkFVX3lxTE10ZkpTS1hGdjZnTFNxYUUwemJPdkdFVXRRdEVtT2pVcUNxSGRVVTgtSVFFRVpkckFETGpxbDJJU0szYTViTGM3Tll3ZDZLRmxFQXZqSm1wc2pBZ1dMX0poMDUxMHBYTVhpR3VpbDVOWExDNDkteTVHY3FnT2JBUdIBhgFBVV95cUxNdnR0MC11dWpubG40b1B0UnJQSGlReEpzbk9Fb3VPZy1kT20wQUFLVUhNTlVZalFRcFAxNVFucEF4cE45YTZPd3FBZk4tc2hSdV9CRXdFbm42RHZ3OGgtZzB6RGFKNldxZ1VRQlo4LWdfUGczR1lSSmFZQk5ZdDdXSFFMakpwZw?oc=5) · NBC Los Angeles
- 2012-03-02 [Hostage saved after would-be bank robber wounded - SFGATE](https://news.google.com/rss/articles/CBMingFBVV95cUxON01uRk5XdHpRWlNzQnYxdHJPQ2hGUFJ4anFweUt5RDdULUVMN20tYVk4cGxUYUpiTzM0SEFSNWZoS1JxMFp6Mi1ZNmpweGNhYklNVUFBN2YwblpacjFuenNSb2Y5bmM4VVJrYlpMNjJHQkFGS2xJQVNGcFFXTHF1dllxaWVtQmg5elJnLTRES1BzcHhwTXhmcW83V2lUdw?oc=5) · SFGATE
- 2012-03-02 [Bank gunman shot; manager escapes harm - Orange County Register](https://news.google.com/rss/articles/CBMiggFBVV95cUxOYlF3WFRVUFp2dXQ4QzFXdlZRVzZqLUFMTjZwblJqcEFMSjA4WVhBUDUzMVI2Nnd0c1J5cG9OeF9yNHJvRFdCTHFwU194bDB1cnlpdnhUekxSU1MyVXBjNzZVd1FObWdwYmZpVk5GWEtGU1NnVG82LW00REtFYVJSQUZB?oc=5) · Orange County Register

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=33435 (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/27.json (key "33435", 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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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide