# TIAA-CREF TRUST CO FSB
SAINT LOUIS, MO · FDIC certificate 34723 · asset band $1-10B · latest filing 2017-03 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 4 (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 | $4.82B | |
| Deposits | $3.91B | |
| Loans and leases | $3.65B | |
| Total equity | $569.4M | |
| Loans / deposits | 92.40% (p62 of band) | 87.83% |
| Liquid assets / assets | 23.06% (p54 of band) | |
| Uninsured deposits / deposits | 14.68% (p20 of band) | 25.51% |
| Brokered deposits | 11.56% | |
| Wholesale funding | 18.20% (p81 of band) | |
| FHLB advances / assets | 6.65% | |
| Tier 1 leverage | 12.34% (p87 of band) | 9.88% |
| Unrealized securities loss / equity | -2.12% (p18 of band) | -0.51% |
| AOCI / equity | 0.13% (p40 of band) | |
| ROA (annualized) | 0.62% (p17 of band) | 0.97% |
| Net interest margin | 2.12% (p4 of band) | 3.44% |
| Efficiency ratio | 81.45% (p92 of band) | |
| Noncurrent loans | 0.04% (p4 of band) | 0.56% |
| Net charge-offs (annualized) | 0.01% (p44 of band) | |
| Reserve coverage of noncurrent | 2833.64% | |
| Real estate % of loans | 95% | |
| Construction % of loans | 17.55% (p20 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $21.8M (4% of equity) (p86 of band) | |
| Deposits YoY | 46.1% | |
| Employees | 394 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | NIM <2.5% |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | brokered >10% |  |
| 2011-12 | 4 | wholesale funding >15%, capital falling |  |
| 2012-03 | 4 | uninsured deposits >50%, expense ratio p90 | brokered >10%, wholesale funding >15% |
| 2012-06 | 4 | losing money | uninsured deposits >50% |
| 2012-09 | 3 |  | capital falling |
| 2012-12 | 3 |  |  |
| 2013-03 | 3 |  |  |
| 2013-06 | 6 | brokered >10%, wholesale funding >15%, uninsured deposits leaving |  |
| 2013-09 | 6 |  |  |
| 2013-12 | 7 | deposits shrinking |  |
| 2014-03 | 6 |  | uninsured deposits leaving |
| 2014-06 | 6 |  |  |
| 2014-09 | 6 |  |  |
| 2014-12 | 6 |  |  |
| 2015-03 | 5 |  | deposits shrinking |
| 2015-06 | 6 | capital falling |  |
| 2015-09 | 6 |  |  |
| 2015-12 | 5 |  | capital falling |
| 2016-03 | 6 | loans exceed deposits |  |
| 2016-06 | 5 |  | brokered >10% |
| 2016-09 | 6 | brokered >10% |  |
| 2016-12 | 4 |  | losing money, loans exceed deposits |
| 2017-03 | 4 |  |  |

## 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=34723 (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/35.json (key "34723", 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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