# BANK OF AMERICA OREGON NA
PORTLAND, OR · FDIC certificate 35453 · asset band $10-100B · latest filing 2013-03 · stopped filing (departed)

**Verdict on the desk:** this could be *run candidate*. Composite score 8 (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 | $10.42B | |
| Deposits | $5.28B | |
| Loans and leases | $9.12B | |
| Total equity | $1.20B | |
| Loans / deposits | 171.20% (p99 of band) | 83.95% |
| Liquid assets / assets | 6.25% (p3 of band) | |
| Uninsured deposits / deposits | 100.04% (p100 of band) | 26.34% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 36.80% (p80 of band) | |
| FHLB advances / assets | 36.80% | |
| Tier 1 leverage | 9.81% (p54 of band) | 9.44% |
| Unrealized securities loss / equity | 0.00% (p10 of band) | 1.86% |
| AOCI / equity | 0.00% (p73 of band) | |
| ROA (annualized) | 2.01% (p92 of band) | 0.97% |
| Net interest margin | 3.81% (p76 of band) | 3.36% |
| Efficiency ratio | 6.12% (p3 of band) | |
| Noncurrent loans | 5.65% (p91 of band) | 1.45% |
| Net charge-offs (annualized) | 0.29% (p67 of band) | |
| Reserve coverage of noncurrent | 15.15% | |
| Real estate % of loans | 100% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p23 of band) | |
| Deposits YoY | -8.5% | |
| Employees | 0 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **uninsured deposits >50%** (`liq_uninsured`)
- **wholesale funding >15%** (`liq_wholesale`)
- **liquid assets <10%** (`liq_thin`)
- **run vulnerability** (`liq_runrisk`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 6 | loans exceed deposits, uninsured deposits >50%, wholesale funding >15%, liquid assets <10%, run vulnerability, reserve under noncurrent |  |
| 2011-06 | 6 |  |  |
| 2011-09 | 6 |  |  |
| 2011-12 | 6 |  |  |
| 2012-03 | 6 |  |  |
| 2012-06 | 6 |  |  |
| 2012-09 | 7 | capital falling |  |
| 2012-12 | 7 |  |  |
| 2013-03 | 8 | noncurrent p90, deposits shrinking | capital falling |

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

- 2024-09-09 [Bank of America Corporation Bonds — Corporate Bond Rates - TradingView](https://news.google.com/rss/articles/CBMiYEFVX3lxTE0tcGlpVXJqcFd3bFBKS3V3eHAwQkJUOWI5ZzZQWDJ2VXJwR1JCN3daNHlpc0xJNWx6SV9TRm9EMnBneXM0YUR3QWJ4bHVxUGpCdWNHY2NvY0tsN2ZLSWpOYw?oc=5) · TradingView

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35453 (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/61.json (key "35453", 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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