# I BANK TEXAS SSB
AUSTIN, TX · FDIC certificate 58014 · asset band <$300M · latest filing 2012-03 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 2 (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 | $157.8M | |
| Deposits | $122.9M | |
| Loans and leases | $118.3M | |
| Total equity | $22.2M | |
| Loans / deposits | 94.27% (p93 of band) | 67.95% |
| Liquid assets / assets | 23.49% (p21 of band) | |
| Uninsured deposits / deposits | 19.41% (p89 of band) | 8.38% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 7.92% (p79 of band) | |
| FHLB advances / assets | 7.92% | |
| Tier 1 leverage | 14.08% (p87 of band) | 9.95% |
| Unrealized securities loss / equity | 0.00% (p11 of band) | 2.77% |
| AOCI / equity | 0.00% (p58 of band) | |
| ROA (annualized) | 2.75% (p97 of band) | 0.78% |
| Net interest margin | 4.21% (p75 of band) | 3.77% |
| Efficiency ratio | 37.97% (p2 of band) | |
| Noncurrent loans | 2.32% (p65 of band) | 1.40% |
| Net charge-offs (annualized) | 0.05% (p57 of band) | |
| Reserve coverage of noncurrent | 89.12% | |
| Real estate % of loans | 93% | |
| Construction % of loans | 166.38% (p98 of band) | |
| Auto loans | $148,000 (0.13% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 7.6% | |
| Employees | 19 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | loans exceed deposits, construction >100% equity |  |
| 2011-06 | 3 | reserve under noncurrent |  |
| 2011-09 | 3 |  |  |
| 2011-12 | 3 |  |  |
| 2012-03 | 2 |  | loans exceed deposits |

## 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=58014 (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/30.json (key "58014", 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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