# HAMPTONS STATE BANK
SOUTHAMPTON, NY · FDIC certificate 34624 · asset band <$300M · latest filing 2011-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (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 | $68.1M | |
| Deposits | $57.8M | |
| Loans and leases | $40.9M | |
| Total equity | $4.6M | |
| Loans / deposits | 69.50% (p47 of band) | 70.88% |
| Liquid assets / assets | 38.25% (p62 of band) | |
| Uninsured deposits / deposits | 16.66% (p85 of band) | 7.86% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 7.79% (p73 of band) | |
| FHLB advances / assets | 7.35% | |
| Tier 1 leverage | 7.30% (p9 of band) | 9.71% |
| Unrealized securities loss / equity | -9.33% (p4 of band) | 0.79% |
| AOCI / equity | 0.94% (p84 of band) | |
| ROA (annualized) | -0.46% (p11 of band) | 0.66% |
| Net interest margin | 3.84% (p53 of band) | 3.79% |
| Efficiency ratio | 108.47% (p92 of band) | |
| Noncurrent loans | 1.99% (p57 of band) | 1.53% |
| Net charge-offs (annualized) | 0.04% (p51 of band) | |
| Reserve coverage of noncurrent | 84.24% | |
| Real estate % of loans | 75% | |
| Construction % of loans | 16.24% (p45 of band) | |
| Auto loans | $59,000 (0.14% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | – | |
| Employees | 13 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, expense ratio p90, reserve under noncurrent |  |

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

- 2015-02-11 [Ones to watch: Banking, wealth management - Long Island Business News](https://news.google.com/rss/articles/CBMiekFVX3lxTFBILVU0ckZ0cUZmNWZwRmJ6ZjE5R042MjJHYldUcVJTNk5Xa2RMSS1yQkt5cW13U1J2bzRpRUNDdmd6YWhNdE9OSVBJTGRBaF9tY0tqT0hXMngybjVGMjA2TldaVTZwcndlQ0o1Yi1COTZaTlZTY09vY3lR?oc=5) · Long Island Business News
- 2018-01-29 [CFO of the Year Awards 2012 - Long Island Business News](https://news.google.com/rss/articles/CBMid0FVX3lxTE9YbmFDWjctcnJsRlpoQU82RS1lVVFGTEpzMXlXYmRsbG1zUXFyVUgwaVVySzJIOUczM2hOWHo3YVVTZXRkczViZlZpVUJmbHktNHIzUlRVU0VEWXpZWlV4RFBPY3BKYm13OWVESUhDUUgxbmhFVUVB?oc=5) · Long Island Business News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34624 (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/0.json (key "34624", 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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