# COMMUNITY BK OF SAN JOAQUIN
STOCKTON, CA · FDIC certificate 35170 · asset band <$300M · latest filing 2014-03 · 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 | $123.6M | |
| Deposits | $110.7M | |
| Loans and leases | $61.9M | |
| Total equity | $8.4M | |
| Loans / deposits | 54.07% (p27 of band) | 68.03% |
| Liquid assets / assets | 49.72% (p75 of band) | |
| Uninsured deposits / deposits | 26.85% (p90 of band) | 12.24% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.03% (p60 of band) | |
| FHLB advances / assets | 3.03% | |
| Tier 1 leverage | 7.00% (p4 of band) | 10.34% |
| Unrealized securities loss / equity | -3.96% (p19 of band) | -0.15% |
| AOCI / equity | -4.49% (p0 of band) | |
| ROA (annualized) | -0.11% (p8 of band) | 0.74% |
| Net interest margin | 3.26% (p30 of band) | 3.59% |
| Efficiency ratio | 103.05% (p92 of band) | |
| Noncurrent loans | 2.84% (p82 of band) | 0.94% |
| Net charge-offs (annualized) | -0.06% (p8 of band) | |
| Reserve coverage of noncurrent | 115.21% | |
| Real estate % of loans | 70% | |
| Construction % of loans | 9.85% (p40 of band) | |
| Auto loans | $36,000 (0.06% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -1.0% | |
| Employees | 27 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 6 | leverage <7%, losing money, expense ratio p90, noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 5 |  | noncurrent p90 |
| 2011-09 | 3 |  | expense ratio p90, charge-offs p90 |
| 2011-12 | 4 | expense ratio p90 |  |
| 2012-03 | 1 |  | losing money, reserve under noncurrent, expense ratio p90 |
| 2012-06 | 0 |  | leverage <7% |
| 2012-09 | 0 |  |  |
| 2012-12 | 2 | leverage <7%, uninsured deposits leaving |  |
| 2013-03 | 4 | capital falling, losing money, expense ratio p90 | uninsured deposits leaving |
| 2013-06 | 2 |  | leverage <7%, capital falling |
| 2013-09 | 2 |  |  |
| 2013-12 | 5 | leverage <7%, capital falling, assets shrinking |  |
| 2014-03 | 3 |  | leverage <7%, capital falling |

## 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=35170 (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/34.json (key "35170", 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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