# COMMUNITY FIRSTBANK CHARLEST
CHARLESTON, SC · FDIC certificate 34335 · asset band $300M-1B · latest filing 2011-06 · 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 | $506.6M | |
| Deposits | $376.4M | |
| Loans and leases | $365.5M | |
| Total equity | $44.0M | |
| Loans / deposits | 95.31% (p87 of band) | 78.35% |
| Liquid assets / assets | 21.09% (p30 of band) | |
| Uninsured deposits / deposits | 5.80% (p20 of band) | 11.83% |
| Brokered deposits | 4.19% | |
| Wholesale funding | 18.43% (p85 of band) | |
| FHLB advances / assets | 11.84% | |
| Tier 1 leverage | 9.01% (p42 of band) | 9.34% |
| Unrealized securities loss / equity | -10.22% (p4 of band) | 2.85% |
| AOCI / equity | 1.02% (p44 of band) | |
| ROA (annualized) | 0.80% (p60 of band) | 0.66% |
| Net interest margin | 3.54% (p39 of band) | 3.72% |
| Efficiency ratio | 69.28% (p49 of band) | |
| Noncurrent loans | 5.40% (p79 of band) | 2.17% |
| Net charge-offs (annualized) | 1.03% (p84 of band) | |
| Reserve coverage of noncurrent | 34.26% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 89.56% (p81 of band) | |
| Auto loans | $178,000 (0.05% of loans; DQ 5.62%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | – | |
| Employees | 163 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |

## 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=34335 (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/31.json (key "34335", 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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