# FIRST AMERICAN INTL BANK
BROOKLYN, NY · FDIC certificate 35186 · asset band $300M-1B · latest filing 2018-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $843.5M | |
| Deposits | $633.7M | |
| Loans and leases | $715.8M | |
| Total equity | $77.6M | |
| Loans / deposits | 111.46% (p95 of band) | 86.40% |
| Liquid assets / assets | 12.93% (p17 of band) | |
| Uninsured deposits / deposits | 28.94% (p72 of band) | 21.53% |
| Brokered deposits | 0.53% | |
| Wholesale funding | 15.29% (p86 of band) | |
| FHLB advances / assets | 14.76% | |
| Tier 1 leverage | 8.80% (p11 of band) | 10.49% |
| Unrealized securities loss / equity | -0.89% (p78 of band) | -3.26% |
| AOCI / equity | -0.13% (p88 of band) | |
| ROA (annualized) | 1.17% (p55 of band) | 1.12% |
| Net interest margin | 3.51% (p34 of band) | 3.75% |
| Efficiency ratio | 67.32% (p55 of band) | |
| Noncurrent loans | 0.21% (p27 of band) | 0.51% |
| Net charge-offs (annualized) | -0.01% (p15 of band) | |
| Reserve coverage of noncurrent | 647.06% | |
| Real estate % of loans | 100% | |
| Construction % of loans | 0.00% (p2 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 1.9% | |
| Employees | 169 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)
- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | losing money, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 4 |  |  |
| 2011-09 | 3 |  | losing money |
| 2011-12 | 3 |  |  |
| 2012-03 | 6 | noncurrent p90, deposits shrinking, assets shrinking, uninsured deposits leaving | charge-offs p90 |
| 2012-06 | 4 |  | construction >100% equity, uninsured deposits leaving |
| 2012-09 | 3 |  | assets shrinking |
| 2012-12 | 2 |  | deposits shrinking |
| 2013-03 | 2 |  |  |
| 2013-06 | 3 | charge-offs p90 |  |
| 2013-09 | 4 | deposits shrinking |  |
| 2013-12 | 4 | capital falling | noncurrent p90 |
| 2014-03 | 3 |  | charge-offs p90 |
| 2014-06 | 1 |  | reserve under noncurrent, deposits shrinking |
| 2014-09 | 0 |  | capital falling |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | expense ratio p90 |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 4 | loans exceed deposits, wholesale funding >15%, capital falling |  |
| 2016-03 | 3 |  | expense ratio p90 |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 2 |  | capital falling |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 3 | 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=35186 (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/50.json (key "35186", 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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