# 1ST ENTERPRISE BANK
LOS ANGELES, CA · FDIC certificate 58321 · asset band $300M-1B · latest filing 2014-09 · 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 | $800.7M | |
| Deposits | $690.7M | |
| Loans and leases | $569.9M | |
| Total equity | $74.7M | |
| Loans / deposits | 81.87% (p54 of band) | 80.43% |
| Liquid assets / assets | 25.41% (p45 of band) | |
| Uninsured deposits / deposits | 59.63% (p99 of band) | 18.44% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.87% (p38 of band) | |
| FHLB advances / assets | 3.87% | |
| Tier 1 leverage | 9.50% (p36 of band) | 10.05% |
| Unrealized securities loss / equity | 2.22% (p75 of band) | 0.40% |
| AOCI / equity | 0.31% (p25 of band) | |
| ROA (annualized) | 0.84% (p46 of band) | 0.88% |
| Net interest margin | 3.43% (p38 of band) | 3.62% |
| Efficiency ratio | 66.62% (p42 of band) | |
| Noncurrent loans | 0.00% (p4 of band) | 0.96% |
| Net charge-offs (annualized) | 0.23% (p83 of band) | |
| Reserve coverage of noncurrent | 90000.00% | |
| Real estate % of loans | 63% | |
| Construction % of loans | 2.18% (p6 of band) | |
| Auto loans | $62,000 (0.01% of loans; DQ 8.06%, NCO 0.00%) | |
| Loans to nondepository financials | $551,000 (1% of equity) (p91 of band) | |
| Deposits YoY | 9.7% | |
| Employees | 79 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | capital falling |  |
| 2013-03 | 1 | uninsured deposits >50% | capital falling |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 2 | capital falling |  |
| 2014-03 | 1 |  | capital falling |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |

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

- 2012-02-22 [1st Enterprise Bank promotes David K. Plourde to executive vice president - Orange County Register](https://news.google.com/rss/articles/CBMisAFBVV95cUxNZmNSYld1aWZMcDhSN29tWURydEtaUUpMeVFuWnVWUldQcm9VTER0bnhBT3U1LXlJcFlEbUlLU0FfT3VUeUgxQTNrTlhpNDVqNFItRjk1T2NLX0kwbUlyQUNYbXBzeF9zUFJqSWJOWVRHT0ktYU00OEdwbXloTlNZUWJRbHNiaDMwSXh2WjJfdUY1OWtfQlZ0YkYxNThHNzBabU9pRHRnRkNudlZwU2ZRVg?oc=5) · Orange County Register
- 2012-05-26 [BANKING: New bank thrives in sluggish economy - pressenterprise.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxPZ1BIS1EyTFY1NWs1MXZsWmI1X0NPSVIyWktKQVVrTlU2alltQUUxUE1CakRxXzUzUm1RUXRpd2k5aWgxM05BSHBFSmJ5dTVNc3pWU1dMLWdwNHRpaWtuQmt5VmRqMnhhX2RfbUVERUpEMzNWdmlUbXRQOHJhQnM5Z0piaXdkUjBMb01uN0RuZ2NyUQ?oc=5) · pressenterprise.com
- 2018-07-30 [Karen K. Brown - Los Angeles Business Journal](https://news.google.com/rss/articles/CBMiXkFVX3lxTE1FeWsyNkhkdXVJMllEOVR0Q1ZKb19MeFRmazVmdDAxSzZCN1BUZUlKYkpmaHBDbmN0QUFoM2MyWGVjVGVLN1dBRGdJSk5YQVZuVDNnX3pET011N09RdVE?oc=5) · Los Angeles Business Journal
- 2011-11-04 [Bailout Tracker - ProPublica](https://news.google.com/rss/articles/CBMiYEFVX3lxTE9WRVU5S0txR3VSdlY5QlVQdmdtVTNNdXE0bWZXZnBWT0tuaUx2VFg3Y0FReEZEZnRVV0hDNldzN0puTUpWd3pVcU83V2JYMkdodHRoNTluX2VpMk1ucUtTbQ?oc=5) · ProPublica
- 2022-08-18 [Bailout List: Banks, Auto Companies, and More | Eye on the Bailout - ProPublica](https://news.google.com/rss/articles/CBMiV0FVX3lxTE9yUjlLUHlRTkFPekMwR3J1MXFxS2o0OWc3cTFybnY2U1ZhZ1BkTVRweEE5bXJuWnVSTTRxWk1malZlQ2dPUVpHSTk0OTZfNUg3aGpUVVJrbw?oc=5) · ProPublica
- 2013-08-31 [Golf tournament raises $20,000 for Laura’s House - Orange County Register](https://news.google.com/rss/articles/CBMijAFBVV95cUxNV1NwUmlYU3Z2NllDWV9jcTVlTEJkbXVjTmYtMEF5WmdneXpKV0RLSWQxMjNkU1hDSlZwTlZZNHYwejdia2NlZ2VUdjBHM3Q0d25XVWRIZUcwNldDVHZ3aTczdmhONTdVY0pRemVOVnFFbk9RM3k1NmROR2pMZ0c4MUxMTlRoQmNUZE12NQ?oc=5) · Orange County Register
- 2013-09-04 [Food donation honors memory of Rancho woman killed on 9/11 - Orange County Register](https://news.google.com/rss/articles/CBMinAFBVV95cUxOeDlhMDAtNFdtSmJpRUpaZ0ZuUE9oY1BocTNLVVdobkhYeG41T3dfa3l5QWtPbmMxeWl3ODlFakJzRWFtN29HQzJZa2I2dldvZFpleTByYVctOFd5ZFVxZVk3X2VsRGU4RGtKSkU1cFgwYmpkeW1ERkZtWTAzTmVSbUlITzYwa2JROEdhNEp4TkY5RDZiejE0ZXI3Rl8?oc=5) · Orange County Register
- 2013-07-25 [Golf tourney to bring Hope to Laura’s House - Orange County Register](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPRUxyY0x1SjcxMnc4U21LTHZZMWV3XzAyeUVwc2dua3lENXFtOWpHZFhtUXNiUUJmU2NVbkdSa00tUERVRnVzQnR3QnJDX3FLaV9vMUdyNE1teFpCS3F5VXhqaHVreTlIREpVOTRFbGFLdDJXOGhVZm4zU1RGREVfTVQ0S0FNNVQ3?oc=5) · Orange County Register

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58321 (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/17.json (key "58321", 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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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide