# FIRSTATLANTIC BANK
JACKSONVILLE, FL · FDIC certificate 35200 · asset band $300M-1B · latest filing 2017-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $436.1M | |
| Deposits | $377.0M | |
| Loans and leases | $310.6M | |
| Total equity | $56.5M | |
| Loans / deposits | 81.71% (p43 of band) | 85.15% |
| Liquid assets / assets | 22.43% (p47 of band) | |
| Uninsured deposits / deposits | 40.01% (p90 of band) | 21.69% |
| Brokered deposits | 0.16% | |
| Wholesale funding | 0.16% (p15 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.52% (p83 of band) | 10.22% |
| Unrealized securities loss / equity | -3.95% (p8 of band) | -0.60% |
| AOCI / equity | -0.44% (p11 of band) | |
| ROA (annualized) | 0.80% (p41 of band) | 0.90% |
| Net interest margin | 4.13% (p79 of band) | 3.66% |
| Efficiency ratio | 66.77% (p49 of band) | |
| Noncurrent loans | 0.15% (p19 of band) | 0.54% |
| Net charge-offs (annualized) | -0.04% (p7 of band) | |
| Reserve coverage of noncurrent | 578.32% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 37.08% (p47 of band) | |
| Auto loans | $42,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 5.3% | |
| Employees | 76 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 2 | capital falling |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 2 | noncurrent p90 |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 1 |  | noncurrent p90 |
| 2014-09 | 2 | charge-offs p90 |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 1 |  | charge-offs p90 |
| 2015-06 | 1 |  |  |
| 2015-09 | 2 | capital falling |  |
| 2015-12 | 1 |  | reserve under noncurrent |
| 2016-03 | 1 |  |  |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 1 | deposits shrinking |  |
| 2016-12 | 0 |  | deposits shrinking |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |

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

- 2017-08-16 [National Bank of Commerce parent buys Florida bank - The Business Journals](https://news.google.com/rss/articles/CBMirwFBVV95cUxNQ0sxWHpSdEJjN1ZlSkRDTGVvZlNNMWw0bzFTdHgweU90eHQ1OFpBRXljR19jNzgwVEZyeUdqanhacFZBVGI5bTNwUmpER0hlNS1NTGhETXZIZVNtdEc2UVF1amFaTWRLajdmVmtMSmJ4Z21Ba3kxS0xjRUFLenhVeEpZZTNUbWNJM29sRDVST2RVVGx5cjBsUjNUY0s2WklsVld0WlJQb2RUcmExX01R?oc=5) · The Business Journals
- 2016-03-26 [Local business briefs - St. Augustine Record](https://news.google.com/rss/articles/CBMikgFBVV95cUxOdmp3UktCYkhYNG0tX2h0NUlBR3M0MXpOTWpYR1ZRcWd0QkNTSWZ3bkdJNy1vdTB4WjZRZHJuN0hkdW1iSVNZaWtYVmgyMkU3am40cHMzOXI3RHFlQUd1UFB3RGxQU1NnRXVIVkowUnIxQUtUNmFFUzB0ZmFJeTNLVWszcFFQZW1TSzdYZ245SVBodw?oc=5) · St. Augustine Record
- 2016-03-18 [St. Johns County Chamber of Commerce hosts networking event - Florida NewsLine](https://news.google.com/rss/articles/CBMirgFBVV95cUxPTjZhQnBlcnJHaWhkZWJ2NGFmOXM5bWUxcF94eldoYmNLQzRZaWRDbk9TNTQzX1pjOS05SEltc19ta3pjeTFlV1hOUG44ZGN3MVY1ZWJFMk1UM2prOHN0VGFZMjNidC0tOEdWWEZqdlBIeUl2YWlfOU9CMFVmZkNna0tJbXBFcTZydmdkYnNzN0F3dzVSZllaUDRNWkdOR0xibldBb1JBOW5EY3RvNmc?oc=5) · Florida NewsLine
- 2021-11-30 [Career Track: Who's on the move on the First Coast - The Florida Times-Union](https://news.google.com/rss/articles/CBMipAFBVV95cUxOa3hMZVF2QWF2clF3ek5qQXE2R2RNYXltd0xFWTJkTjFBdTZhZnVWY3pOUXVXcXFhYVlTcUxJeFB0cV96bVNiUnZEY0dNNXBsRmtOdzY4VHF5YWlseW53dTlMV3BlclVnNTlEUmozam1rTy1oZTVPTXZtV1BMMTlucjU2UDVQVGFweXlrWDZZT21RenhIeHRNVklxRUN0eWE3RlpVcA?oc=5) · The Florida Times-Union
- 2016-02-10 [City notes: Duval County's top teacher to be named March 12 - Jacksonville Daily Record](https://news.google.com/rss/articles/CBMipgFBVV95cUxQTEZVYWxwQjZwUkNMNzdud1VuUmJmTndFOGVUM0lOSy1Ha0RxMFBjX0xXaGZUYlY0dGU0Nm0xWFpVMkRieDZ0Sk1NUzBOUFZSZWxkcGJxM0pRek5tSDZUNlotVHpJQkpQMm1PWGw5NktZWXFKaFlzSUhqY2dIVFhLVk9ieGtCTnhVa25vQkwxaktmbWxkTkx1SXBYRkxyTVZEa3NwaHJn?oc=5) · Jacksonville Daily Record
- 2017-03-06 [From Bosnia to Jacksonville, meet the new commercial banker at FirstAtlantic Bank - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxPT1NIN0JRV0dzaGJNMkJrdktaelhET1JVcTBkcnY3UDB4X1pQbmJQMllLTmlWQzJPYjBPcE5qaERheTMxU3Q1NUkwa0h3QTNZT0xMaVE3T1EwY2ZWYlRJbThVbmNIYzV2TnNCa0V1ekxRQ01NQmJtckZNN3hpNE5jRlpWNFBoMXh4VlU1RHRyWENTWUtPS1JzRlVHWUR0NFp4SFd5RQ?oc=5) · The Business Journals
- 2012-01-24 [Business briefs: Jan. 22, 2012 - St. Augustine Record](https://news.google.com/rss/articles/CBMimgFBVV95cUxOWDFWR1NPVW05Wk1sdFc0OFk3MnpTUkhiV1VwbGt1dXd5R0loX0xxZXhXWUNpbW9TU3J4R0tBX19iT1lnZ0RITlVIaVM2azFzaUxvMkJsSERqSmk5Zzg4a0dWWFcyY1VRN2Q0WU1RQV8tWEhxN3ZnSlVTTTZzb3psZWJXMVVVNDIzd29NT1I5MHBScGk5MmtVbnJB?oc=5) · St. Augustine Record
- 2022-04-12 [Georgia-based TC Federal Bank expands into Jacksonville - The Business Journals](https://news.google.com/rss/articles/CBMigAFBVV95cUxOUnMwOWpJZUlLbDlvUndidEJUcDNLbkJkWWZrTGhBRVZtQ0wzLU9GSDRQOHVielhTYUpiUktsNmpxZzhkUHhmY2VvS3B2NzhJcnd4U2FubTdXekF0NHVKZUVNeHUxamxKSExSUFhjbkkxZGhhb3FTQWI3Q1ZJbWU0LQ?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35200 (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 "35200", 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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