# BANCO ESPANOL DE CREDITO SA
NEW YORK CITY, NY · FDIC certificate 33691 · asset band <$300M · 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 | $23.1M | |
| Deposits | $4.4M | |
| Loans and leases | $180,000 | |
| Total equity | $0 | |
| Loans / deposits | 4.11% (p2 of band) | 69.20% |
| Liquid assets / assets | 77.46% (p97 of band) | |
| Uninsured deposits / deposits | 0.00% (p1 of band) | 8.50% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | – | |
| Tier 1 leverage | 0.00% (p0 of band) | 10.13% |
| Unrealized securities loss / equity | – | 3.81% |
| AOCI / equity | – | |
| ROA (annualized) | 0.00% (p12 of band) | 0.80% |
| Net interest margin | 0.00% (p0 of band) | 3.77% |
| Efficiency ratio | 0.00% (p0 of band) | |
| Noncurrent loans | 0.00% (p5 of band) | 1.27% |
| Net charge-offs (annualized) | 0.00% (p21 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 0% | |
| Construction % of loans | – | |
| Auto loans | $0 (– of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (– of equity) | |
| Deposits YoY | -99.4% | |
| Employees | 0 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **NIM <2.5%** (`earn_nim`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 6 | loans exceed deposits, liquid assets <10%, leverage <7%, leverage <5%, NIM <2.5% |  |
| 2011-06 | 6 |  |  |
| 2011-09 | 6 |  |  |
| 2011-12 | 5 |  | loans exceed deposits |
| 2012-03 | 7 | deposits shrinking, assets shrinking |  |
| 2012-06 | 7 |  |  |
| 2012-09 | 6 |  | liquid assets <10% |

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

- 2008-12-10 [Tycoon's Fall Is a Warning for Europe - wsj.com](https://news.google.com/rss/articles/CBMiXkFVX3lxTE9EWlYwUlRZeU1KekJMY2JHYjdoNGN6QkJlMlNLb255eEZUOGVJUjZlRHA0eHhDRDNiRG90VDNRYnJMN1JRMHZYbDJwTXNvem42QVhYbU1uZXNtbnVGZkE?oc=5) · wsj.com
- 2009-09-03 [How safe is your bank? - Stuff](https://news.google.com/rss/articles/CBMifkFVX3lxTFA0TmRSUEZkTlN3WGRBcXlST3FNd0dhaFF1cGVPMHhLTmtFUDA1U3AybjdKSWYyWFp3Um1ZbWZfaUt5cHA2MnVEc1dZUDF1bUtYOW9qT3JJYnJfNzR6aC16dW5oRHV0NkU3bjlSQnB3Tzd3RnBTWl8zeGxtM2pZQQ?oc=5) · Stuff

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=33691 (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 "33691", 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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