# PROVIDENT MUNICIPAL BANK
MONTEBELLO, NY · FDIC certificate 57339 · asset band $300M-1B · latest filing 2013-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 4 (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 | $819.6M | |
| Deposits | $757.1M | |
| Loans and leases | $0 | |
| Total equity | $61.1M | |
| Loans / deposits | 0.00% (p0 of band) | 77.22% |
| Liquid assets / assets | 99.89% (p100 of band) | |
| Uninsured deposits / deposits | 88.14% (p100 of band) | 17.49% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p5 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.13% (p82 of band) | 9.97% |
| Unrealized securities loss / equity | -0.33% (p55 of band) | -0.65% |
| AOCI / equity | -5.92% (p28 of band) | |
| ROA (annualized) | 0.62% (p32 of band) | 0.83% |
| Net interest margin | 0.81% (p1 of band) | 3.56% |
| Efficiency ratio | 44.20% (p3 of band) | |
| Noncurrent loans | 0.00% (p1 of band) | 1.31% |
| Net charge-offs (annualized) | 0.00% (p14 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | – | |
| Construction % of loans | 0.00% (p2 of band) | |
| Auto loans | $0 (– of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -16.0% | |
| Employees | 6 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **NIM <2.5%** (`earn_nim`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | uninsured deposits >50%, NIM <2.5% |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 3 | capital falling |  |
| 2012-06 | 2 |  | capital falling |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 4 | deposits shrinking, assets shrinking |  |
| 2013-06 | 2 |  | deposits shrinking, assets shrinking |
| 2013-09 | 4 | deposits shrinking, assets shrinking |  |

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

- 2010-12-16 [Provident NY Bancorp welcomes Djonovic to board - Times Herald-Record](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOcG1jaVF1NjVCWWZpOHBaVl8tSWFlSlRZQUtNYmFUeTNfRDlJelR3X2FWV2NHaE0wOHJ6dWpYYWpFU3BZTHBudXpDQ1UwVkpOOXVhUWNFa3ZZYmVxcWJtLUZ4RVo0UXRLNjhLdnpfX09LSW5JWDE5RHl4c3djSU9rZ1hGd1lSTll6ajdpZDNDNll5cDktSW5LUDJKWWl2eEV1cnpTX2ZtZWdyZw?oc=5) · Times Herald-Record

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57339 (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/59.json (key "57339", 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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