# UNITED AMERICAN BANK
SAN MATEO, CA · FDIC certificate 57447 · asset band $300M-1B · latest filing 2018-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 2 (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 | $319.7M | |
| Deposits | $286.6M | |
| Loans and leases | $221.3M | |
| Total equity | $31.4M | |
| Loans / deposits | 76.19% (p34 of band) | 84.92% |
| Liquid assets / assets | 28.83% (p65 of band) | |
| Uninsured deposits / deposits | 36.04% (p86 of band) | 21.35% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.18% (p16 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.10% (p44 of band) | 10.35% |
| Unrealized securities loss / equity | -5.76% (p17 of band) | -2.32% |
| AOCI / equity | -1.89% (p33 of band) | |
| ROA (annualized) | -0.16% (p1 of band) | 1.05% |
| Net interest margin | 3.30% (p25 of band) | 3.67% |
| Efficiency ratio | 106.44% (p99 of band) | |
| Noncurrent loans | 0.13% (p17 of band) | 0.55% |
| Net charge-offs (annualized) | -0.04% (p9 of band) | |
| Reserve coverage of noncurrent | 1028.67% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 18.49% (p26 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 | 5.9% | |
| Employees | 40 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 8 | leverage <7%, leverage <5%, losing money, expense ratio p90, noncurrent p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 9 | charge-offs p90 |  |
| 2011-09 | 10 | capital falling |  |
| 2011-12 | 7 |  | leverage <5%, capital falling |
| 2012-03 | 9 | deposits shrinking, assets shrinking |  |
| 2012-06 | 10 | uninsured deposits leaving |  |
| 2012-09 | 7 |  | construction >100% equity, assets shrinking, uninsured deposits leaving |
| 2012-12 | 6 |  | deposits shrinking |
| 2013-03 | 4 |  | leverage <7%, charge-offs p90 |
| 2013-06 | 5 | charge-offs p90 |  |
| 2013-09 | 5 | leverage <7%, capital falling | noncurrent p90, reserve under noncurrent |
| 2013-12 | 7 | deposits shrinking, assets shrinking |  |
| 2014-03 | 3 |  | charge-offs p90, capital falling, deposits shrinking, assets shrinking |
| 2014-06 | 3 |  |  |
| 2014-09 | 3 |  |  |
| 2014-12 | 1 |  | losing money, leverage <7% |
| 2015-03 | 0 |  | expense ratio p90 |
| 2015-06 | 0 |  |  |
| 2015-09 | 2 | capital falling, expense ratio p90 |  |
| 2015-12 | 0 |  | capital falling, expense ratio p90 |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | expense ratio p90 |  |
| 2016-09 | 2 | capital falling |  |
| 2016-12 | 1 |  | capital falling |
| 2017-03 | 0 |  | expense ratio p90 |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 2 | losing money, expense ratio p90 | capital falling |

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

- 2017-02-03 [Woman tied to Butcher bank scandal charged with check forgery - Knoxville News Sentinel](https://news.google.com/rss/articles/CBMitwFBVV95cUxOM2M0QWZxYlM2SXlvQWJJNGROS2x5SWFoLUJ0MWRxSVByMGI1TjZ6RzRHcXZrc0h2WU5HNGppeDVzZFV3bVlvakZyZUl1a3dkcmZjaGVCQmJJZmdFZXc5MjFtaWdRYnhyWHJ4VTVUU0dlUUhVeGJ4OFF6aFVSYWJwTkZta2pjVE0wdzk1eEFyVFhXVDdNeUNpNmdQNTRFdkhhdGtxV2hIaUFBLTdXTFJlYkoyZTczd1U?oc=5) · Knoxville News Sentinel
- 1983-04-23 [BANK COLLAPSE JOLTS TENNESSEE (Published 1983) - The New York Times](https://news.google.com/rss/articles/CBMihAFBVV95cUxOT2VhdFpWUUpfYl9SVV9aakM0OElHVXJOQjVMcVl4NXk0YTNLQXRHSW5WSlJ0LVhBaXdmaHduVEZXYndEMUFpOF9EODY2QVl5Q2J4TFJSTGh4MkpvMFM4SWhBUzN5aF9HMzNuT2MwcEFnQ3FXdzJKaVRMbHFoNldkeUlNMjM?oc=5) · The New York Times
- 2018-10-26 [An Iowa bank’s mandate for selling itself: Simplify - American Banker](https://news.google.com/rss/articles/CBMijgFBVV95cUxOWjh6NE16Z3pLRmU1LVhUU05ScGNOVG1FN2VGX1ZZNXRqMjJaN0xuUmhSME9ZejlLTHY3NHl6amtoQ1hJXzNLME5NczZTV3BDMzVVM1c1aXhDUERuRVpHWmZwMExVRm5rdTlXOUE2TF8wUkEwNDBUTi1XRHM4ZmwxQ0lEMk91WGMwSldsbE1B?oc=5) · American Banker
- 2022-08-18 [Bailout List: Banks, Auto Companies, and More | Eye on the Bailout - ProPublica](https://news.google.com/rss/articles/CBMiV0FVX3lxTE9yUjlLUHlRTkFPekMwR3J1MXFxS2o0OWc3cTFybnY2U1ZhZ1BkTVRweEE5bXJuWnVSTTRxWk1malZlQ2dPUVpHSTk0OTZfNUg3aGpUVVJrbw?oc=5) · ProPublica
- 2018-01-25 [Investing in the future | Local News - San Mateo Daily Journal](https://news.google.com/rss/articles/CBMitgFBVV95cUxQTlV0bW9TYVEwajYzVnZnMzNua3ZnMHFBbDhzZnNGOTJVUmV5bXB5Ykt4UnFKdWlVRGhYUUpkc1c4WEFodkllZ0dhMGFXT3lKWElPWmt5eXRyZmd6RVNQVHRvTEFBX2RvTmVWdEI0WXA1TjZ5XzZldmJYSlI2aDFCcVBaZURpcVJmckhWbGhXWEFpejN5X3JsaXp4aVRYXy1PRks5REpNaVFvSzFjUUE3TndZUThPZw?oc=5) · San Mateo Daily Journal
- 2011-11-04 [Schrup banking brothers keep connected - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxNVzhIZmpIeWZLT1l1d1UxVXM1LVFPVUstbkRhV1dJNlU2Q29fbndSRG1fSG93UDBpVVBEYWFkaXpqVktxT3BvNzNFTFZCVkdfeW5HZVBKcjk1WkNsdl9EbWFWTlY0dkI3b0o4Z2o3eVk3dFZmdm1hekdYUTJfc2hpRHFYVTRjTG45R0k1YVZka29OWUlWN2pZbFYwVjdHaTdXeWVXYlBRdw?oc=5) · The Business Journals
- 1983-05-28 [FIVE BANKS CLOSED IN TENNESSEE (Published 1983) - The New York Times](https://news.google.com/rss/articles/CBMihgFBVV95cUxOUW8wSjdfRVlmeEJ2azR6OHRuT1FtTHVuX3p0WlU1dDV4cnExVkVIQmdIYUc1b3JvbTAtbXIwZGV1cnRkUFBvRzB6MC0xNmZyMV9leHpVcG9BemtXZFVXX0tJSVVMNHZtcnVBVnY1RHVEZGhOdVllYWNYSDg0aEZoUGhoSzVldw?oc=5) · The New York Times
- 2017-07-19 [Jake Butcher through the years - Knoxville News Sentinel](https://news.google.com/rss/articles/CBMipwFBVV95cUxPTk1wcm9NQ1ZhTzk3aHVHM2JYbEZNWkx6VDhGa0dvVXJVMUFORUZkRGRyVTJkcXhMQzRJMk5EWmlKZzRyeUVVamJIN1hBSi05NjlfejVJcnl6OF9GNEY3eW1jcDRtWXRva3B5TUg3Vm9pQnZpRnFFQkVfYy1PRnlOUjJVajlPbEZ1TGpRN3pET1I4ckx1dmlCZ3NNenNuajg0MVBEN2M2NA?oc=5) · Knoxville News Sentinel

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57447 (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/39.json (key "57447", 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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