# RUMSON-FAIR HAVEN B&T CO
RUMSON, NJ · FDIC certificate 35381 · asset band <$300M · latest filing 2013-12 · 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 | $230.3M | |
| Deposits | $200.4M | |
| Loans and leases | $149.4M | |
| Total equity | $19.0M | |
| Loans / deposits | 73.68% (p58 of band) | 69.26% |
| Liquid assets / assets | 31.90% (p44 of band) | |
| Uninsured deposits / deposits | 30.22% (p93 of band) | 12.49% |
| Brokered deposits | 0.18% | |
| Wholesale funding | 4.52% (p65 of band) | |
| FHLB advances / assets | 4.34% | |
| Tier 1 leverage | 8.39% (p15 of band) | 10.29% |
| Unrealized securities loss / equity | 2.46% (p93 of band) | -1.01% |
| AOCI / equity | -1.25% (p69 of band) | |
| ROA (annualized) | 0.23% (p18 of band) | 0.76% |
| Net interest margin | 2.94% (p17 of band) | 3.63% |
| Efficiency ratio | 85.40% (p74 of band) | |
| Noncurrent loans | 0.67% (p41 of band) | 0.94% |
| Net charge-offs (annualized) | -0.03% (p6 of band) | |
| Reserve coverage of noncurrent | 173.43% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 62.01% (p86 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 | 10.4% | |
| Employees | 43 | |

## 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 | NIM <2.5% |  |
| 2012-03 | 0 |  | reserve under noncurrent, NIM <2.5% |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2013-03 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2013-06 | 1 | deposits shrinking |  |
| 2013-09 | 0 |  | deposits shrinking |
| 2013-12 | 0 |  |  |

## 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=35381 (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/53.json (key "35381", 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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