# TALMER BANK&TRUST
TROY, MI · FDIC certificate 58132 · asset band $1-10B · latest filing 2016-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (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 | $7.59B | |
| Deposits | $5.36B | |
| Loans and leases | $5.13B | |
| Total equity | $1.61B | |
| Loans / deposits | 95.82% (p71 of band) | 88.75% |
| Liquid assets / assets | 15.32% (p23 of band) | |
| Uninsured deposits / deposits | 33.39% (p68 of band) | 25.63% |
| Brokered deposits | 4.14% | |
| Wholesale funding | 11.53% (p57 of band) | |
| FHLB advances / assets | 6.78% | |
| Tier 1 leverage | 10.89% (p74 of band) | 9.74% |
| Unrealized securities loss / equity | 0.07% (p8 of band) | 2.06% |
| AOCI / equity | -0.03% (p6 of band) | |
| ROA (annualized) | -0.23% (p0 of band) | 0.96% |
| Net interest margin | 0.40% (p2 of band) | 3.47% |
| Efficiency ratio | 159.07% (p100 of band) | |
| Noncurrent loans | 0.84% (p67 of band) | 0.62% |
| Net charge-offs (annualized) | 0.00% (p23 of band) | |
| Reserve coverage of noncurrent | 2.86% | |
| Real estate % of loans | 73% | |
| Construction % of loans | 16.57% (p22 of band) | |
| Auto loans | $58.4M (1.14% of loans; DQ 2.09%, NCO 0.00%) | |
| Loans to nondepository financials | $9.3M (1% of equity) (p78 of band) | |
| Deposits YoY | 4.3% | |
| Employees | 1194 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 3 | capital falling |  |
| 2011-12 | 2 |  | capital falling |
| 2012-03 | 3 | charge-offs p90 |  |
| 2012-06 | 3 |  |  |
| 2012-09 | 4 | uninsured deposits leaving |  |
| 2012-12 | 4 |  |  |
| 2013-03 | 3 | expense ratio p90 | charge-offs p90, uninsured deposits leaving |
| 2013-06 | 4 | capital falling |  |
| 2013-09 | 2 |  | expense ratio p90, capital falling |
| 2013-12 | 3 | expense ratio p90 |  |
| 2014-03 | 2 |  | expense ratio p90 |
| 2014-06 | 2 |  |  |
| 2014-09 | 4 | brokered >10%, wholesale funding >15% |  |
| 2014-12 | 4 |  |  |
| 2015-03 | 4 | charge-offs p90 | brokered >10% |
| 2015-06 | 4 | capital falling | charge-offs p90 |
| 2015-09 | 2 |  | wholesale funding >15%, capital falling |
| 2015-12 | 3 | wholesale funding >15% |  |
| 2016-03 | 2 |  | wholesale funding >15% |
| 2016-06 | 2 | wholesale funding >15% | noncurrent p90 |
| 2016-09 | 4 | losing money, expense ratio p90, NIM <2.5% | wholesale funding >15% |

## 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=58132 (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/20.json (key "58132", 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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