# HOME FED BK OF HOLLYWOOD
HALLANDALE BEACH, FL · FDIC certificate 34652 · asset band <$300M · latest filing 2021-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 9 (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 | $46.8M | |
| Deposits | $34.8M | |
| Loans and leases | $24.9M | |
| Total equity | $5.2M | |
| Loans / deposits | 70.32% (p63 of band) | 64.15% |
| Liquid assets / assets | 34.62% (p35 of band) | |
| Uninsured deposits / deposits | 4.16% (p3 of band) | 18.57% |
| Brokered deposits | 7.22% | |
| Wholesale funding | 21.11% (p97 of band) | |
| FHLB advances / assets | 13.89% | |
| Tier 1 leverage | 10.99% (p58 of band) | 10.40% |
| Unrealized securities loss / equity | 1.69% (p60 of band) | 0.89% |
| AOCI / equity | 0.00% (p88 of band) | |
| ROA (annualized) | -4.01% (p1 of band) | 1.04% |
| Net interest margin | 2.88% (p29 of band) | 3.30% |
| Efficiency ratio | 262.12% (p100 of band) | |
| Noncurrent loans | 6.57% (p99 of band) | 0.35% |
| Net charge-offs (annualized) | 0.00% (p50 of band) | |
| Reserve coverage of noncurrent | 28.36% | |
| Real estate % of loans | 96% | |
| Construction % of loans | 0.00% (p9 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 | -22.7% | |
| Employees | 14 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 7 | wholesale funding >15%, losing money, expense ratio p90, NIM <2.5%, noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 6 |  | NIM <2.5% |
| 2011-09 | 6 |  |  |
| 2011-12 | 7 | capital falling |  |
| 2012-03 | 8 | deposits shrinking, assets shrinking | charge-offs p90 |
| 2012-06 | 9 | charge-offs p90 |  |
| 2012-09 | 8 |  | capital falling |
| 2012-12 | 10 | leverage <7%, uninsured deposits leaving |  |
| 2013-03 | 9 | capital falling | charge-offs p90, uninsured deposits leaving |
| 2013-06 | 9 |  |  |
| 2013-09 | 9 |  |  |
| 2013-12 | 8 |  | capital falling |
| 2014-03 | 6 |  | losing money, noncurrent p90 |
| 2014-06 | 4 |  | wholesale funding >15%, reserve under noncurrent |
| 2014-09 | 6 | wholesale funding >15%, losing money |  |
| 2014-12 | 7 | capital falling |  |
| 2015-03 | 7 |  |  |
| 2015-06 | 7 |  |  |
| 2015-09 | 8 | leverage <5% | wholesale funding >15% |
| 2015-12 | 9 | wholesale funding >15% |  |
| 2016-03 | 4 | reserve under noncurrent | assets shrinking, leverage <7%, capital falling, leverage <5%, wholesale funding >15% |
| 2016-06 | 5 | NIM <2.5% |  |
| 2016-09 | 5 | capital falling | NIM <2.5% |
| 2016-12 | 3 |  | reserve under noncurrent, capital falling |
| 2017-03 | 2 |  | deposits shrinking |
| 2017-06 | 3 | capital falling |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 5 | reserve under noncurrent, uninsured deposits leaving |  |
| 2018-06 | 4 |  | uninsured deposits leaving |
| 2018-09 | 4 |  |  |
| 2018-12 | 3 |  | capital falling |
| 2019-03 | 3 |  |  |
| 2019-06 | 3 | capital falling | reserve under noncurrent |
| 2019-09 | 4 | wholesale funding >15% |  |
| 2019-12 | 6 | reserve under noncurrent, uninsured deposits leaving |  |
| 2020-03 | 6 |  |  |
| 2020-06 | 5 |  | uninsured deposits leaving |
| 2020-09 | 7 | noncurrent p90, deposits shrinking, uninsured deposits leaving | capital falling |
| 2020-12 | 8 | assets shrinking |  |
| 2021-03 | 10 | capital falling, NIM <2.5% |  |
| 2021-06 | 9 |  | 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=34652 (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/28.json (key "34652", 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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