# UNITED INTERNATIONAL BANK
FLUSHING, NY · FDIC certificate 57987 · asset band <$300M · latest filing 2015-09 · 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 | $182.4M | |
| Deposits | $154.8M | |
| Loans and leases | $147.2M | |
| Total equity | $20.5M | |
| Loans / deposits | 93.71% (p85 of band) | 73.61% |
| Liquid assets / assets | 18.19% (p19 of band) | |
| Uninsured deposits / deposits | 11.89% (p42 of band) | 13.65% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.51% (p58 of band) | |
| FHLB advances / assets | 3.51% | |
| Tier 1 leverage | 10.59% (p48 of band) | 10.70% |
| Unrealized securities loss / equity | 0.02% (p24 of band) | 0.86% |
| AOCI / equity | 0.08% (p52 of band) | |
| ROA (annualized) | 0.20% (p12 of band) | 0.84% |
| Net interest margin | 3.39% (p36 of band) | 3.64% |
| Efficiency ratio | 90.45% (p86 of band) | |
| Noncurrent loans | 1.65% (p73 of band) | 0.69% |
| Net charge-offs (annualized) | -0.19% (p3 of band) | |
| Reserve coverage of noncurrent | 87.02% | |
| Real estate % of loans | 94% | |
| Construction % of loans | 22.67% (p60 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 | 10.4% | |
| Employees | 38 | |

## Flags firing in the latest filing

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

## Warning timeline

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

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

- 2019-04-11 [Preferred Finds Local Profits - Los Angeles Business Journal](https://news.google.com/rss/articles/CBMigwFBVV95cUxNazBweHduRFBlRnVwS2RyQTNTbHBtWVVub2xzVkI0YkloUjZETENlLUVkYnBtWmhkNmJJb3pLR0pKN0lsdHlkc3FOWTVzd3ktekhVSGZvOXZ0WTkxRzF4SUpSQ2tLM0F5a01penY5bV9uZkpfOW4tVVR5a3JWLUV3d21XQQ?oc=5) · Los Angeles Business Journal
- 2018-05-28 [First Central Savings Bank – Banking the way it used it be, only better! - qns.com](https://news.google.com/rss/articles/CBMiX0FVX3lxTE5FM0MyUUFTZ1hOdjFjTFRBSi1ua0w2dk5aY0JzdUswaTlqRlVKd1VEOUJBYjdpWjBrYzhkeWczVnNNWDA1QUs3dUdoNnRJYUtZZmFoZjdWOFNHX1lCcGRn?oc=5) · qns.com
- 1976-05-15 [A Top Paris Banker Is Slain by Gunman; Crime Held Political (Published 1976) - The New York Times](https://news.google.com/rss/articles/CBMitAFBVV95cUxQUDZOdkJVdzlGeFgtZVpWMGpsSFQ5Sk9BSnV4eEw5alBUdFlmeVZGZldST09vVXV3VFlBRlRNMnpsTUhmemJLTTNJVmdQaEN3WW9oeUtLbjFSU0x2RkRZNkdYMXh1UjQ1bXU5QnRwWEFmcFRmYk5IVmw5OXUwLWozeVJfZDlIc2liQnlWT2E0azNJdGFkU1JTaHdLZ1QzQ0tzSzNKMFdlc2NWT2w2OHVic0drOUc?oc=5) · The New York Times
- 2015-08-30 [Chinese Banks Go Bicoastal - Los Angeles Business Journal](https://news.google.com/rss/articles/CBMif0FVX3lxTE1xemJKZVFhRFNOTngwMEFlelFYVmRGZ293SEhxTlZOMGhwZ2dXM3VlcjNnMU9mNVhSMUFPQmQ0N3VBTDFZdlROcjQ5LThjSlBsNzkxQzNWTXlnZlJBZk9nVVNTb1JCQ2sxUXBLR2hKVHNMWlplU3ZMdnUtX3N2eEk?oc=5) · Los Angeles Business Journal
- 2013-07-18 [Developer Plans to Reopen Defunct Saddle Brook Hotel - Patch](https://news.google.com/rss/articles/CBMipAFBVV95cUxQWVhkZnRib0M0UlgzS25CRHd2QlVwbHVncHphTHZFTERJUDN0SHBHYk1teFYwOXZpbWJfUGcxZWw3RHdsU3VUT3V5NHduTjVQZDRkVEpzbkxLSUVUc1Y1dGc3Q1VybGU2WVM5YmpFQVU2QkIwZVJDWWZneGQ1NW85ZlF0YUw2V1llbzg1UURtOTM4TlVNUjZ0SGZpdnBrWWh6cDZ2cg?oc=5) · Patch
- 1974-05-15 [Dollar Falls to Lows in Europe (Published 1974) - The New York Times](https://news.google.com/rss/articles/CBMisgFBVV95cUxPLUtzV2lEQ3plY2l4TGxXcVZwd0pQZzRlQWZXQVlrNV85ZW12VVNvSGRyQVBOcmkzQkFnb25XSTBDYktyQldVb1ZwUUQ0cVoyMXRpWnF0bUlXZHdBRWFmVUxXT25UWnBHVTBlTzdWbW9EMkJoYUg0eGhWMV9aZVhqRG5Xb2p4TW9XZkxEVlJuTkp2eXhjMFgyQ0I2N01UWjZ1OEQ1cnVYQTJsU3g4U3pULWFB?oc=5) · The New York Times
- 2017-09-26 [The Money Book: Li Yu - Los Angeles Business Journal](https://news.google.com/rss/articles/CBMickFVX3lxTE5jOEduWV9kOXo0dHNLMm1LVUd1Qkx2cDY2eUNmS1hQZl9RUlYyUlJpa0lROG13b2lkbmhaR2dRSEFXak1obF9aUFhCMXFkcnhVczdIeWRheDdaenNfd3Rqc3o2MTg5TUdSdTQtdWFSQ00tdw?oc=5) · Los Angeles Business Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57987 (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/3.json (key "57987", 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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