# AMERICAN ENTERPRISE BK OF FL
JACKSONVILLE, FL · FDIC certificate 57709 · asset band <$300M · latest filing 2015-12 · 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 | $199.4M | |
| Deposits | $179.8M | |
| Loans and leases | $159.7M | |
| Total equity | $18.9M | |
| Loans / deposits | 87.30% (p75 of band) | 73.15% |
| Liquid assets / assets | 15.53% (p13 of band) | |
| Uninsured deposits / deposits | 34.72% (p94 of band) | 14.12% |
| Brokered deposits | 9.17% | |
| Wholesale funding | 9.17% (p80 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.70% (p15 of band) | 10.64% |
| Unrealized securities loss / equity | 0.07% (p43 of band) | 0.27% |
| AOCI / equity | 0.01% (p68 of band) | |
| ROA (annualized) | 0.63% (p36 of band) | 0.82% |
| Net interest margin | 3.68% (p52 of band) | 3.64% |
| Efficiency ratio | 84.71% (p77 of band) | |
| Noncurrent loans | 1.78% (p78 of band) | 0.67% |
| Net charge-offs (annualized) | 0.07% (p65 of band) | |
| Reserve coverage of noncurrent | 94.66% | |
| Real estate % of loans | 71% | |
| Construction % of loans | 75.25% (p90 of band) | |
| Auto loans | $254,000 (0.16% of loans; DQ 3.15%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -0.2% | |
| Employees | 41 | |

## 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 | brokered >10%, losing money, reserve under noncurrent |  |
| 2011-06 | 4 | charge-offs p90 |  |
| 2011-09 | 4 |  |  |
| 2011-12 | 7 | wholesale funding >15%, capital falling, noncurrent p90 |  |
| 2012-03 | 6 | deposits shrinking, assets shrinking, uninsured deposits leaving | losing money, charge-offs p90, wholesale funding >15%, capital falling |
| 2012-06 | 4 | charge-offs p90 | noncurrent p90, deposits shrinking, uninsured deposits leaving |
| 2012-09 | 6 | losing money, noncurrent p90 |  |
| 2012-12 | 5 |  | assets shrinking |
| 2013-03 | 3 |  | charge-offs p90, losing money |
| 2013-06 | 2 |  | brokered >10% |
| 2013-09 | 4 | brokered >10%, capital falling |  |
| 2013-12 | 5 | charge-offs p90 |  |
| 2014-03 | 5 | losing money, expense ratio p90 | capital falling, charge-offs p90 |
| 2014-06 | 6 | wholesale funding >15%, charge-offs p90 | noncurrent p90 |
| 2014-09 | 3 |  | losing money, wholesale funding >15%, charge-offs p90 |
| 2014-12 | 3 | wholesale funding >15% | reserve under noncurrent |
| 2015-03 | 3 | charge-offs p90 | expense ratio p90 |
| 2015-06 | 2 |  | wholesale funding >15% |
| 2015-09 | 0 |  | brokered >10%, charge-offs p90 |
| 2015-12 | 1 | reserve under noncurrent |  |

## 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=57709 (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/45.json (key "57709", 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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