# COMMUNITYS BANK
BRIDGEPORT, CT · FDIC certificate 57041 · asset band <$300M · latest filing 2013-06 · FAILED

**Verdict on the desk:** this could be *credit-stressed*. Composite score 10 (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 | $26.4M | |
| Deposits | $25.7M | |
| Loans and leases | $15.1M | |
| Total equity | $-31,000 | |
| Loans / deposits | 57.87% (p31 of band) | 68.67% |
| Liquid assets / assets | 33.36% (p45 of band) | |
| Uninsured deposits / deposits | 1.06% (p2 of band) | 11.61% |
| Brokered deposits | 3.30% | |
| Wholesale funding | 5.10% (p69 of band) | |
| FHLB advances / assets | 1.80% | |
| Tier 1 leverage | 1.10% (p0 of band) | 10.18% |
| Unrealized securities loss / equity | – | -0.21% |
| AOCI / equity | – | |
| ROA (annualized) | -9.64% (p0 of band) | 0.77% |
| Net interest margin | 4.05% (p74 of band) | 3.59% |
| Efficiency ratio | 279.10% (p100 of band) | |
| Noncurrent loans | 4.14% (p87 of band) | 1.13% |
| Net charge-offs (annualized) | 0.18% (p74 of band) | |
| Reserve coverage of noncurrent | 39.23% | |
| Real estate % of loans | 92% | |
| Construction % of loans | – | |
| Auto loans | $220,000 (1.45% of loans; DQ 1.82%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (– of equity) | |
| Deposits YoY | -6.8% | |
| Employees | 13 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 7 | brokered >10%, wholesale funding >15%, leverage <7%, losing money, expense ratio p90, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 7 |  |  |
| 2011-09 | 8 | capital falling |  |
| 2011-12 | 7 |  | brokered >10% |
| 2012-03 | 11 | leverage <5%, deposits shrinking, assets shrinking, uninsured deposits leaving | wholesale funding >15% |
| 2012-06 | 11 |  |  |
| 2012-09 | 11 |  |  |
| 2012-12 | 10 |  | noncurrent p90 |
| 2013-03 | 12 | noncurrent p90, construction >100% equity |  |
| 2013-06 | 10 |  | noncurrent p90, construction >100% equity |

## 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=57041 (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/17.json (key "57041", 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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