# MIDTOWN BANK&TRUST CO
ATLANTA, GA · FDIC certificate 57580 · asset band <$300M · latest filing 2014-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $215.4M | |
| Deposits | $173.3M | |
| Loans and leases | $149.9M | |
| Total equity | $21.1M | |
| Loans / deposits | 85.28% (p76 of band) | 71.36% |
| Liquid assets / assets | 25.01% (p30 of band) | |
| Uninsured deposits / deposits | 14.48% (p58 of band) | 12.72% |
| Brokered deposits | 1.47% | |
| Wholesale funding | 10.76% (p85 of band) | |
| FHLB advances / assets | 9.28% | |
| Tier 1 leverage | 9.04% (p23 of band) | 10.52% |
| Unrealized securities loss / equity | 1.74% (p73 of band) | 0.17% |
| AOCI / equity | 2.57% (p66 of band) | |
| ROA (annualized) | 0.46% (p26 of band) | 0.81% |
| Net interest margin | 3.70% (p53 of band) | 3.65% |
| Efficiency ratio | 83.55% (p73 of band) | |
| Noncurrent loans | 2.02% (p74 of band) | 0.86% |
| Net charge-offs (annualized) | 0.13% (p76 of band) | |
| Reserve coverage of noncurrent | 70.50% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 48.11% (p80 of band) | |
| Auto loans | $46,000 (0.03% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 13.9% | |
| Employees | 47 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | wholesale funding >15%, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 3 | charge-offs p90 | noncurrent p90 |
| 2011-09 | 3 |  |  |
| 2011-12 | 2 |  | wholesale funding >15% |
| 2012-03 | 1 |  | charge-offs p90 |
| 2012-06 | 2 | charge-offs p90 |  |
| 2012-09 | 1 |  | charge-offs p90 |
| 2012-12 | 0 |  | reserve under noncurrent |
| 2013-03 | 1 | deposits shrinking |  |
| 2013-06 | 1 | reserve under noncurrent | deposits shrinking |
| 2013-09 | 0 |  | reserve under noncurrent |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | reserve under noncurrent |  |
| 2014-09 | 1 |  |  |

## 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=57580 (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/44.json (key "57580", 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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