# INTEGRA BANK NATIONAL ASSN
EVANSVILLE, IN · FDIC certificate 4392 · asset band $1-10B · latest filing 2011-06 · FAILED

**Verdict on the desk:** this could be *credit-stressed*. Composite score 12 (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 | $1.99B | |
| Deposits | $1.69B | |
| Loans and leases | $1.16B | |
| Total equity | $20.9M | |
| Loans / deposits | 62.77% (p18 of band) | 79.44% |
| Liquid assets / assets | 40.05% (p79 of band) | |
| Uninsured deposits / deposits | 0.05% (p2 of band) | 17.54% |
| Brokered deposits | 12.10% | |
| Wholesale funding | 24.86% (p86 of band) | |
| FHLB advances / assets | 5.11% | |
| Tier 1 leverage | 0.85% (p2 of band) | 9.28% |
| Unrealized securities loss / equity | 6.73% (p76 of band) | 2.76% |
| AOCI / equity | 20.72% (p100 of band) | |
| ROA (annualized) | -6.20% (p1 of band) | 0.72% |
| Net interest margin | 1.94% (p6 of band) | 3.67% |
| Efficiency ratio | 154.84% (p99 of band) | |
| Noncurrent loans | 14.88% (p97 of band) | 2.56% |
| Net charge-offs (annualized) | 4.83% (p98 of band) | |
| Reserve coverage of noncurrent | 55.96% | |
| Real estate % of loans | 77% | |
| Construction % of loans | 633.28% (p100 of band) | |
| Auto loans | $27.5M (2.37% of loans; DQ 1.37%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p41 of band) | |
| Deposits YoY | – | |
| Employees | 476 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 12 | brokered >10%, wholesale funding >15%, leverage <7%, leverage <5%, losing money, expense ratio p90, NIM <2.5%, noncurrent p90, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 12 |  |  |

## 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=4392 (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/40.json (key "4392", 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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