# PACIFIC INTERNATIONAL BANK
SEATTLE, WA · FDIC certificate 57246 · asset band <$300M · latest filing 2012-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. 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 | $182.2M | |
| Deposits | $142.0M | |
| Loans and leases | $143.8M | |
| Total equity | $23.5M | |
| Loans / deposits | 97.95% (p95 of band) | 68.02% |
| Liquid assets / assets | 19.52% (p14 of band) | |
| Uninsured deposits / deposits | 10.71% (p60 of band) | 8.86% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 9.05% (p83 of band) | |
| FHLB advances / assets | 9.05% | |
| Tier 1 leverage | 12.26% (p77 of band) | 10.05% |
| Unrealized securities loss / equity | 0.98% (p29 of band) | 3.01% |
| AOCI / equity | 0.00% (p54 of band) | |
| ROA (annualized) | -2.53% (p2 of band) | 0.76% |
| Net interest margin | 3.89% (p58 of band) | 3.75% |
| Efficiency ratio | 101.03% (p91 of band) | |
| Noncurrent loans | 11.82% (p98 of band) | 1.21% |
| Net charge-offs (annualized) | 2.93% (p100 of band) | |
| Reserve coverage of noncurrent | 28.00% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 8.99% (p38 of band) | |
| Auto loans | $7,000 (0.00% of loans; DQ 0.00%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -21.1% | |
| Employees | 46 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **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 | 6 | loans exceed deposits, wholesale funding >15%, losing money, noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 6 |  |  |
| 2011-09 | 3 |  | loans exceed deposits, wholesale funding >15%, losing money |
| 2011-12 | 4 | losing money |  |
| 2012-03 | 8 | loans exceed deposits, capital falling, deposits shrinking, assets shrinking |  |
| 2012-06 | 8 | uninsured deposits leaving | capital falling |
| 2012-09 | 9 | expense ratio p90 |  |
| 2012-12 | 8 |  | loans exceed deposits |

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

- 2010-09-18 [Local bank aims to expand beyond Korean niche - The Seattle Times](https://news.google.com/rss/articles/CBMijAFBVV95cUxPdnpKaklKdklSZDRZcHNEUHdSRVdJa3FuR2V3ZHM0aU9nc3ZGel9VVlZsck9uUHNLakxDZ0hPYUpkTjNaUWJsSW9uRWQ5LXJfZ3hCaTZvREFMV25Pd2RDUl9pUFZjUnVWTXExVEdGTGdOR0h5d0pzVXJSa2NvUXpRdWZld29WUUhSUWVhZw?oc=5) · The Seattle Times
- 2018-05-24 [Deutsche Bank’s So receives the Transaction Banker of the Year Award in Asia Pacific (International Bank) at The Asian Banker Leadership Achievement Awards 2018 - The Asian Banker](https://news.google.com/rss/articles/CBMisgJBVV95cUxOdHNZaWdEUUttc1VDcWR3ZzNhTVY1OENZNndSY0NCSE9OcHlZTEVzMzlMaW9VUHFhV3ZtWXJ3bVRDOGpybzc2eXhzbWFRYzBQM19GSlNrS2F3UHpuNWxFSk50M2tFbTVKcVdQVlhETGVaRzFJLXVZUldKVUprYklBNlo5MTBTR1lvQy1LdmZxNGJLMmw3NWcxZWJzbkVFOXRoTm11b2U3a1NNNVZ1ZjFDcy1DVEpiWHBoNHU1cE1pNVp6dDFqVmJfYWR4R0FDY0txQ3g1VmlRcDNRNC1uSGVEZmd4UzJyN2JXZjBtcWt4VWFkb2Jjbnh0UmpMVG9xd0tHcUJNWDhkeTRrNTJCWGx0V05ETWVscktQUHVwbHo3aWpONEpvNXF4RGhZTmxBNUV6M2c?oc=5) · The Asian Banker
- 2026-02-09 [Educator Julie Kang Enters Fray in D5 Seattle Council Race - The Urbanist](https://news.google.com/rss/articles/CBMikAFBVV95cUxQMExrcElUZURHcFdhc19WWHpGVXM0aGJvZjNGUllNeTVHYld6by1lTTFxb2hjVXhNbWYyRVFONTN1R2xmZkFhdE1oZnNwNFljZGRnOVpyckF1eHJNdnhpRjRMeUpHVHowM2FROTVTNndHSzV1dk9rM2VreWZRRVAyYkFNdXRPZGwyc3NBUGtSTWU?oc=5) · The Urbanist
- 2026-07-07 [RLWC2026: Rugby League World Cup 2026 100 Days To Go - Rugby League World Cup 2026](https://news.google.com/rss/articles/CBMiV0FVX3lxTE9ZZWo0eXp5NG5mUG1OdjFPUHc0RmYzM1FmYkVsdC1IWlBabWhTV3kzMEYxZzRfNld5ZjJHb1pjdl9JZnVLOVJZa3lfSFBzLUktMFpoSGt4cw?oc=5) · Rugby League World Cup 2026
- 2005-08-11 [Startup bank to serve Hispanics - Seattle Post-Intelligencer](https://news.google.com/rss/articles/CBMijwFBVV95cUxNVmdPckN3OUtqbFVWY1A1d3hsU2gzWDNYTjRiTDA2Qm5zNG56YS0yTXBYU1lSMkJYRkxVMFZXcEd0TDZhRDdNYmxaczFRN0JvTXJZaXlZVWdzcWl6d2RkeHFzVjV1bDNfNldZNEhHc3hFVnBvclVLLTJNWFk5VlZ5VUxPU0hkU2s2ZjdOOVVNbw?oc=5) · Seattle Post-Intelligencer
- 2026-09-09 [PNG Chiefs and Bank South Pacific reach landmark NRL sponsorship deal - NRL.com](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQQzEzUjdDdG1yTlZsd3JtbTNyWTNpc2JzYWw2NmpLYS02Y1VvN05kWEs0dkNnd25hWWJLM3pmOElUajRWYUtFMXhWZEZzcUVnNW5pRzYxUTRVeERwdTBqaXBZYW1pcUNJTmp3WjNBSDlhanRFUlc0emJITmRSNXc4dWY0T1J2cThoenVZOUNmdl8xUnEzaVlVaHJCdm10dW00aEpCU3NjeGNVQQ?oc=5) · NRL.com
- 2012-09-16 [On the move: Bulger named chief of trauma at Harborview - The Seattle Times](https://news.google.com/rss/articles/CBMimAFBVV95cUxNUHNNR2F3YmxYRk5kMkh0Q3RMMDNZalZXRGMtOFdQa2FGTmJ3Z0EtLW03d0xSaWViVWZLNkQycWhMSFF5amowRHdQMkRNcGZTd1h1LWY3Ylp0YUplZFc0WnlTRVFjTzFXcEt4Q2VWRkdSWjdFTEhPNTZYZGxXWEEyY3lidFNQdlpvSlEza1NaenhaemgtRERMcQ?oc=5) · The Seattle Times

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57246 (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/30.json (key "57246", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide