# BANK OF AMERICA RI NA
PROVIDENCE, RI · FDIC certificate 58032 · asset band $10-100B · latest filing 2013-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 6 (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 | $19.79B | |
| Deposits | $17.51B | |
| Loans and leases | $9.37B | |
| Total equity | $1.96B | |
| Loans / deposits | 52.57% (p16 of band) | 83.95% |
| Liquid assets / assets | 47.36% (p80 of band) | |
| Uninsured deposits / deposits | 0.59% (p3 of band) | 26.34% |
| Brokered deposits | 21.84% | |
| Wholesale funding | 22.37% (p74 of band) | |
| FHLB advances / assets | 0.54% | |
| Tier 1 leverage | 9.21% (p37 of band) | 9.44% |
| Unrealized securities loss / equity | 0.00% (p10 of band) | 1.86% |
| AOCI / equity | 0.00% (p73 of band) | |
| ROA (annualized) | 0.94% (p47 of band) | 0.97% |
| Net interest margin | 2.25% (p15 of band) | 3.36% |
| Efficiency ratio | 17.12% (p8 of band) | |
| Noncurrent loans | 11.92% (p97 of band) | 1.45% |
| Net charge-offs (annualized) | 0.34% (p72 of band) | |
| Reserve coverage of noncurrent | 15.13% | |
| Real estate % of loans | 100% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $9.0M (0% of equity) (p51 of band) | |
| Deposits YoY | 14.8% | |
| Employees | 0 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **capital falling** (`cap_falling`)
- **NIM <2.5%** (`earn_nim`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | brokered >10%, wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 4 | noncurrent p90 |  |
| 2011-09 | 4 |  |  |
| 2011-12 | 4 |  |  |
| 2012-03 | 4 |  |  |
| 2012-06 | 4 |  |  |
| 2012-09 | 4 |  |  |
| 2012-12 | 5 | capital falling |  |
| 2013-03 | 6 | NIM <2.5% |  |

## 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=58032 (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/48.json (key "58032", 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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