# AFFINITY BANK OF PA
WYOMISSING, PA · FDIC certificate 57478 · asset band <$300M · latest filing 2012-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. 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 | $174.7M | |
| Deposits | $148.8M | |
| Loans and leases | $79.6M | |
| Total equity | $12.5M | |
| Loans / deposits | 52.69% (p23 of band) | 68.02% |
| Liquid assets / assets | 52.33% (p80 of band) | |
| Uninsured deposits / deposits | 12.87% (p70 of band) | 8.86% |
| Brokered deposits | 3.01% | |
| Wholesale funding | 10.45% (p87 of band) | |
| FHLB advances / assets | 7.44% | |
| Tier 1 leverage | 6.55% (p4 of band) | 10.05% |
| Unrealized securities loss / equity | 12.86% (p92 of band) | 3.01% |
| AOCI / equity | 3.20% (p95 of band) | |
| ROA (annualized) | -0.16% (p10 of band) | 0.76% |
| Net interest margin | 2.87% (p12 of band) | 3.75% |
| Efficiency ratio | 101.39% (p91 of band) | |
| Noncurrent loans | 3.89% (p83 of band) | 1.21% |
| Net charge-offs (annualized) | 0.14% (p55 of band) | |
| Reserve coverage of noncurrent | 36.55% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 18.76% (p55 of band) | |
| Auto loans | $198,000 (0.25% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -2.0% | |
| Employees | 36 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | leverage <7%, losing money, reserve under noncurrent |  |
| 2011-06 | 2 |  | losing money |
| 2011-09 | 3 | losing money |  |
| 2011-12 | 3 | capital falling | losing money |
| 2012-03 | 4 | losing money, expense ratio p90 | capital falling |
| 2012-06 | 3 |  | expense ratio p90 |
| 2012-09 | 5 | expense ratio p90, deposits shrinking |  |
| 2012-12 | 4 |  | deposits shrinking |

## 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=57478 (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/6.json (key "57478", 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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