# BANK REALE
PASCO, WA · FDIC certificate 58183 · asset band <$300M · latest filing 2014-12 · 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 | $38.0M | |
| Deposits | $34.9M | |
| Loans and leases | $27.2M | |
| Total equity | $2.9M | |
| Loans / deposits | 75.71% (p58 of band) | 71.50% |
| Liquid assets / assets | 26.40% (p34 of band) | |
| Uninsured deposits / deposits | 11.83% (p43 of band) | 13.21% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 7.46% (p5 of band) | 10.45% |
| Unrealized securities loss / equity | 0.00% (p33 of band) | 0.49% |
| AOCI / equity | 0.00% (p18 of band) | |
| ROA (annualized) | -0.16% (p7 of band) | 0.81% |
| Net interest margin | 4.38% (p85 of band) | 3.66% |
| Efficiency ratio | 98.62% (p92 of band) | |
| Noncurrent loans | 5.86% (p96 of band) | 0.76% |
| Net charge-offs (annualized) | 0.36% (p89 of band) | |
| Reserve coverage of noncurrent | 44.44% | |
| Real estate % of loans | 67% | |
| Construction % of loans | 135.59% (p98 of band) | |
| Auto loans | $5,000 (0.02% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -7.3% | |
| Employees | 8 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | losing money, expense ratio p90, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 3 |  | charge-offs p90 |
| 2011-09 | 3 | capital falling | reserve under noncurrent |
| 2011-12 | 0 |  | losing money, expense ratio p90, capital falling |
| 2012-03 | 1 | losing money |  |
| 2012-06 | 2 | reserve under noncurrent |  |
| 2012-09 | 4 | expense ratio p90, uninsured deposits leaving |  |
| 2012-12 | 4 | capital falling | reserve under noncurrent |
| 2013-03 | 0 |  | losing money, expense ratio p90, uninsured deposits leaving, capital falling |
| 2013-06 | 5 | losing money, charge-offs p90, reserve under noncurrent, construction >100% equity, uninsured deposits leaving |  |
| 2013-09 | 5 | deposits shrinking, assets shrinking | construction >100% equity, uninsured deposits leaving |
| 2013-12 | 5 |  |  |
| 2014-03 | 8 | leverage <7%, capital falling, construction >100% equity |  |
| 2014-06 | 7 |  | capital falling |
| 2014-09 | 10 | expense ratio p90, noncurrent p90, uninsured deposits leaving |  |
| 2014-12 | 7 |  | charge-offs p90, leverage <7%, uninsured deposits leaving |

## 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=58183 (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/7.json (key "58183", 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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