# INVESTORSBANK
WAUKESHA, WI · FDIC certificate 34347 · asset band <$300M · latest filing 2014-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $195.6M | |
| Deposits | $151.0M | |
| Loans and leases | $176.2M | |
| Total equity | $28.7M | |
| Loans / deposits | 114.20% (p98 of band) | 71.36% |
| Liquid assets / assets | 9.45% (p3 of band) | |
| Uninsured deposits / deposits | 14.26% (p57 of band) | 12.72% |
| Brokered deposits | 14.60% | |
| Wholesale funding | 22.42% (p97 of band) | |
| FHLB advances / assets | 6.16% | |
| Tier 1 leverage | 14.62% (p86 of band) | 10.52% |
| Unrealized securities loss / equity | 0.01% (p45 of band) | 0.17% |
| AOCI / equity | 0.03% (p23 of band) | |
| ROA (annualized) | 2.35% (p96 of band) | 0.81% |
| Net interest margin | 3.65% (p50 of band) | 3.65% |
| Efficiency ratio | 57.68% (p15 of band) | |
| Noncurrent loans | 0.96% (p54 of band) | 0.86% |
| Net charge-offs (annualized) | -0.24% (p2 of band) | |
| Reserve coverage of noncurrent | 222.14% | |
| Real estate % of loans | 68% | |
| Construction % of loans | 12.68% (p45 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -10.8% | |
| Employees | 22 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **liquid assets <10%** (`liq_thin`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 9 | loans exceed deposits, brokered >10%, wholesale funding >15%, liquid assets <10%, losing money, expense ratio p90, noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 8 |  | expense ratio p90 |
| 2011-09 | 8 |  |  |
| 2011-12 | 9 | capital falling |  |
| 2012-03 | 6 | uninsured deposits leaving | losing money, noncurrent p90, charge-offs p90, capital falling |
| 2012-06 | 5 |  | reserve under noncurrent |
| 2012-09 | 7 | capital falling, losing money, charge-offs p90, assets shrinking | loans exceed deposits, liquid assets <10% |
| 2012-12 | 8 | loans exceed deposits, liquid assets <10%, deposits shrinking | uninsured deposits leaving, capital falling |
| 2013-03 | 6 |  | losing money, charge-offs p90 |
| 2013-06 | 6 |  |  |
| 2013-09 | 8 | noncurrent p90, reserve under noncurrent |  |
| 2013-12 | 6 | charge-offs p90 | liquid assets <10%, noncurrent p90, reserve under noncurrent |
| 2014-03 | 6 |  |  |
| 2014-06 | 4 |  | assets shrinking, charge-offs p90 |
| 2014-09 | 6 | liquid assets <10%, assets shrinking |  |

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

- 2008-09-08 [Wisconsin Banking News - BizTimes - Milwaukee Business News](https://news.google.com/rss/articles/CBMiW0FVX3lxTE5xcGk4NFdxT09DYUVpeUR3YUppVmZUNTZzWHlFWC1PWjdPeEpsWE9ReVN4MXkydHdWNHhwem5oLWVuTTdVTTJRTmNoSFdtbnJEeHIxeUlhemtCV0E?oc=5) · BizTimes - Milwaukee Business News
- 2016-09-07 [American Bank and National Exchange Bank to merge Monday - BizTimes - Milwaukee Business News](https://news.google.com/rss/articles/CBMihAFBVV95cUxPMGJrd2NEWUNfQjlWbWFIMmkwZGFxdjdsWUgxamtHWGFWdTFEcXlFLWhhajdYVVJOMmRvWUh6c3lvYzdNdU1XLUdNc1RBV0loUlZacHAtNzdTb0w3eTFoWWktMEFiMnRibWpIM2pkNEtRV2VfMUE1TkJSRFlUdG5tN1ZTc2I?oc=5) · BizTimes - Milwaukee Business News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34347 (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/43.json (key "34347", 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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