# TOMATOBANK
ALHAMBRA, CA · FDIC certificate 35474 · asset band $300M-1B · latest filing 2015-12 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (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 | $472.4M | |
| Deposits | $406.4M | |
| Loans and leases | $405.7M | |
| Total equity | $64.6M | |
| Loans / deposits | 97.70% (p82 of band) | 82.78% |
| Liquid assets / assets | 13.98% (p16 of band) | |
| Uninsured deposits / deposits | 26.22% (p69 of band) | 20.30% |
| Brokered deposits | 0.10% | |
| Wholesale funding | 0.10% (p14 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.16% (p87 of band) | 10.05% |
| Unrealized securities loss / equity | 0.28% (p45 of band) | 0.46% |
| AOCI / equity | -0.09% (p59 of band) | |
| ROA (annualized) | 0.81% (p41 of band) | 0.91% |
| Net interest margin | 3.28% (p28 of band) | 3.59% |
| Efficiency ratio | 62.58% (p30 of band) | |
| Noncurrent loans | 0.09% (p10 of band) | 0.71% |
| Net charge-offs (annualized) | -0.53% (p0 of band) | |
| Reserve coverage of noncurrent | 2427.17% | |
| Real estate % of loans | 95% | |
| Construction % of loans | 28.76% (p42 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 | 10.2% | |
| Employees | 63 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 | capital falling | noncurrent p90 |
| 2012-06 | 3 | noncurrent p90 |  |
| 2012-09 | 1 |  | capital falling, noncurrent p90 |
| 2012-12 | 1 |  |  |
| 2013-03 | 4 | charge-offs p90, deposits shrinking, assets shrinking |  |
| 2013-06 | 2 |  | reserve under noncurrent, charge-offs p90 |
| 2013-09 | 1 |  | assets shrinking |
| 2013-12 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2014-03 | 2 |  | deposits shrinking |
| 2014-06 | 2 |  |  |
| 2014-09 | 0 |  | noncurrent p90, reserve under noncurrent |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | capital falling |  |

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

- 2014-02-06 [Charged with $33 million in fraud, two LA Jews flee to Israel - Jewish Journal](https://news.google.com/rss/articles/CBMiXkFVX3lxTE9Pcm5DQlJVTEQya3RGQU91VWlPUU14V1U4QVZ3ZTJOMVg3d0h0MGVsRzBpcnNnem82UFB0SUZSYVlOODZnNkZxajJGWjdLRldiSnc5VWF2NHplcnlOOEE?oc=5) · Jewish Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35474 (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/18.json (key "35474", 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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