# PROVINCIAL BANK
LAKEVILLE, MN · FDIC certificate 34443 · asset band <$300M · latest filing 2016-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $89.0M | |
| Deposits | $70.4M | |
| Loans and leases | $63.7M | |
| Total equity | $14.1M | |
| Loans / deposits | 90.40% (p78 of band) | 75.30% |
| Liquid assets / assets | 15.03% (p14 of band) | |
| Uninsured deposits / deposits | 15.33% (p54 of band) | 14.23% |
| Brokered deposits | 5.50% | |
| Wholesale funding | 10.22% (p83 of band) | |
| FHLB advances / assets | 4.72% | |
| Tier 1 leverage | 11.15% (p55 of band) | 10.87% |
| Unrealized securities loss / equity | 0.01% (p13 of band) | 1.65% |
| AOCI / equity | 0.01% (p20 of band) | |
| ROA (annualized) | 0.55% (p28 of band) | 0.88% |
| Net interest margin | 2.73% (p10 of band) | 3.67% |
| Efficiency ratio | 83.28% (p77 of band) | |
| Noncurrent loans | 1.35% (p70 of band) | 0.69% |
| Net charge-offs (annualized) | 0.00% (p33 of band) | |
| Reserve coverage of noncurrent | 0.00% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 23.51% (p60 of band) | |
| Auto loans | $742,000 (1.17% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 2.2% | |
| Employees | 34 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | wholesale funding >15%, losing money, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 2 |  | wholesale funding >15%, charge-offs p90 |
| 2011-09 | 1 |  | losing money |
| 2011-12 | 1 |  |  |
| 2012-03 | 3 | assets shrinking, uninsured deposits leaving |  |
| 2012-06 | 1 |  | reserve under noncurrent, uninsured deposits leaving |
| 2012-09 | 4 | reserve under noncurrent, deposits shrinking, uninsured deposits leaving |  |
| 2012-12 | 0 |  | assets shrinking, reserve under noncurrent, deposits shrinking, uninsured deposits leaving |
| 2013-03 | 1 | deposits shrinking |  |
| 2013-06 | 4 | loans exceed deposits, liquid assets <10%, reserve under noncurrent |  |
| 2013-09 | 2 |  | deposits shrinking, loans exceed deposits |
| 2013-12 | 4 | loans exceed deposits, deposits shrinking, uninsured deposits leaving | reserve under noncurrent |
| 2014-03 | 1 | capital falling | liquid assets <10%, loans exceed deposits, deposits shrinking, uninsured deposits leaving |
| 2014-06 | 1 | liquid assets <10% | capital falling |
| 2014-09 | 1 |  |  |
| 2014-12 | 3 | loans exceed deposits, wholesale funding >15% |  |
| 2015-03 | 3 | reserve under noncurrent | wholesale funding >15% |
| 2015-06 | 3 | wholesale funding >15% | reserve under noncurrent |
| 2015-09 | 2 |  | wholesale funding >15% |
| 2015-12 | 0 |  | liquid assets <10%, loans exceed deposits |
| 2016-03 | 2 | losing money, expense ratio p90 |  |
| 2016-06 | 2 | NIM <2.5%, reserve under noncurrent | losing money, expense ratio p90 |
| 2016-09 | 1 |  | NIM <2.5% |

## 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=34443 (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/11.json (key "34443", 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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