# DESERT COMMERCIAL BANK
PALM DESERT, CA · FDIC certificate 57976 · asset band <$300M · latest filing 2012-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 7 (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 | $139.2M | |
| Deposits | $124.7M | |
| Loans and leases | $96.1M | |
| Total equity | $13.9M | |
| Loans / deposits | 75.33% (p63 of band) | 69.17% |
| Liquid assets / assets | 28.98% (p37 of band) | |
| Uninsured deposits / deposits | 10.82% (p63 of band) | 8.28% |
| Brokered deposits | 0.06% | |
| Wholesale funding | 0.06% (p36 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.62% (p43 of band) | 10.02% |
| Unrealized securities loss / equity | -0.09% (p3 of band) | 3.21% |
| AOCI / equity | -0.06% (p26 of band) | |
| ROA (annualized) | -1.04% (p5 of band) | 0.78% |
| Net interest margin | 4.29% (p78 of band) | 3.76% |
| Efficiency ratio | 102.34% (p92 of band) | |
| Noncurrent loans | 2.41% (p68 of band) | 1.31% |
| Net charge-offs (annualized) | 1.04% (p93 of band) | |
| Reserve coverage of noncurrent | 91.96% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 82.76% (p93 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -5.2% | |
| Employees | 31 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | losing money, expense ratio p90, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 3 |  | expense ratio p90, charge-offs p90 |
| 2011-09 | 5 | expense ratio p90, charge-offs p90 |  |
| 2011-12 | 4 |  | charge-offs p90 |
| 2012-03 | 5 | capital falling, charge-offs p90 | construction >100% equity |
| 2012-06 | 7 | deposits shrinking, assets shrinking |  |

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

- 2017-06-15 [First Foundation Buys Bank - Orange County Business Journal](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE1mSGF2WFU4cWpYUzdheHRFMEJzSGkxTmx5WGVxZ2xyOURiVkdSUEhObnBDaWJvRTZUdHQta2MtZ2tkM2JqeHpGd1psZWw2aUpkSzEwZ0VvOFkxanpRZ0ZYdkczeW1mMlE?oc=5) · Orange County Business Journal
- 2021-10-08 [Ronald Pedersen Obituary (2008) - El Centro, CA - Imperial Valley Press Online - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxOcGVtNEk0SlIzLUkxN0FGYWtZYUlYMlZpLWVZYUtCX0FPVTJOZW8zZ2RNVnFWQ2RNWWxnUGFtRkxpNDAxQ0tzMTRZaHFnRkZYbzBzbzdrS1pENW1LRFJHZjV5aXZnSHZQOHZ4Sy1jRjRtSmtMR2ZQV1FHSzE4NWF6cW1iT2ZrODZwdlhVaTg3d3UteXE3YWM0?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57976 (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/56.json (key "57976", 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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