# FIRST AVENUE NATIONAL BANK
OCALA, FL · FDIC certificate 58344 · asset band <$300M · latest filing 2016-03 · 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 | $113.7M | |
| Deposits | $98.6M | |
| Loans and leases | $81.3M | |
| Total equity | $13.3M | |
| Loans / deposits | 81.62% (p66 of band) | 72.92% |
| Liquid assets / assets | 18.32% (p18 of band) | |
| Uninsured deposits / deposits | 13.66% (p49 of band) | 13.88% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.53% (p49 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.48% (p46 of band) | 10.70% |
| Unrealized securities loss / equity | 0.80% (p42 of band) | 1.19% |
| AOCI / equity | 0.86% (p64 of band) | |
| ROA (annualized) | 0.06% (p8 of band) | 0.83% |
| Net interest margin | 4.25% (p82 of band) | 3.64% |
| Efficiency ratio | 96.16% (p91 of band) | |
| Noncurrent loans | 1.69% (p75 of band) | 0.70% |
| Net charge-offs (annualized) | -0.01% (p26 of band) | |
| Reserve coverage of noncurrent | 64.32% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 52.19% (p82 of band) | |
| Auto loans | $134,000 (0.16% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -1.9% | |
| Employees | 32 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 1 |  | charge-offs p90, reserve under noncurrent |
| 2011-12 | 3 | charge-offs p90, reserve under noncurrent |  |
| 2012-03 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving | losing money, charge-offs p90 |
| 2012-06 | 5 | charge-offs p90 |  |
| 2012-09 | 4 | noncurrent p90 | deposits shrinking, assets shrinking |
| 2012-12 | 3 |  | uninsured deposits leaving |
| 2013-03 | 2 |  | charge-offs p90 |
| 2013-06 | 1 | charge-offs p90 | reserve under noncurrent, noncurrent p90 |
| 2013-09 | 0 |  | charge-offs p90 |
| 2013-12 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2014-03 | 3 |  |  |
| 2014-06 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 3 | capital falling, losing money, expense ratio p90 |  |
| 2015-06 | 3 |  |  |
| 2015-09 | 3 |  |  |
| 2015-12 | 3 | reserve under noncurrent | losing money |
| 2016-03 | 2 |  | capital falling |

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

- 2007-05-19 [Financial institutions of many varieties crowd Marion's market - Ocala StarBanner](https://news.google.com/rss/articles/CBMiugFBVV95cUxNNHdwY2JLUC1SVzFvNUZqRllyenYwazZoX01JbVhwVEhyeXg0ckFya2RpYUpGdE94eUtlSGZVU0h1UFdjREotdUdvTWpUeGt6SzIxTklVa3NwbFFhZ0NJWVVkZjRIOHJ2ZTczeUxvT2NtRWl1WldRRF80ME5XNnJPc01ZQWk1bllxZDBtUGN5b3JJS2xtemxMZDVCZ2dLemNzNEprUjQ4SG94THNXc3oyVlB2OHdpOFpTcmc?oc=5) · Ocala StarBanner
- 2025-06-18 [Pickleball courts dedicated to John Hunt - Ocala Gazette](https://news.google.com/rss/articles/CBMiekFVX3lxTE5XR3pvZF8ycEdDQmRqM24zWTcyOHNxaTR5dmdaQkNRMEgxOF9XdkM1UThqR2dlalpNVlJGaUpMTWpDcjhRd3pFVnpIQkRVdGNYWVV4dE1DS3VLYXhMeHlnWkt6QzJTZjNxUVM3Zzh2S2VtQmk3RmFnRUtR?oc=5) · Ocala Gazette
- 2024-09-15 [John Robert Hunt Obituary - Ocala StarBanner](https://news.google.com/rss/articles/CBMiV0FVX3lxTFBVamw5ZmRnRlVac1lpNENQX2FrSkpJY2lJLUY0ZVkzcDVqT0t0ZnNwbDk3bnVZWHV5SXhQaHB0bXc2MEtCRWxWQ2xHWTMyblRLMmJEWGllcw?oc=5) · Ocala StarBanner
- 2024-11-12 [Coehadjoe Park pickleball courts dedicated to the late John R. Hunt - Ocala Gazette](https://news.google.com/rss/articles/CBMinAFBVV95cUxQaEQ2NC1FYnk4aVFPZzd3NzMyY2dkUkVWMHpLamRxZTlSV0laMzBLd1NrdnR4R3ZVRWJvNDVpMzNWUFlJZUJ0SnZheGtpa3B4TGpEQWNvMnd4Tk9ra0k3Mk5zVl81bVFEX19wNVVnUnJXcGxSaTU3b3piMTRkT3RLMm5vMUg4VzBSdW9SNXByTW1qNXdYYk96dlJqdVU?oc=5) · Ocala Gazette
- 2010-01-29 [New board chair John Hunt says he wants to see chamber continue on innovative path - Ocala StarBanner](https://news.google.com/rss/articles/CBMi1gFBVV95cUxNU0NhSE9hSV9oSUFVQThfWGhEeXpRaE5aeGhyekpwMWpNOFJzOGl4ZlloZmt0VDJTZ0YyVUl0bWZtaFVwSS1Uc0FYcVIwVVYzeG1YYTB2YWVIaWY2bko3Z2trR2pSTmJqYm9NSkdKQUpPdWNuWW9oREtwYXo1alRQbFM0a3JwemJTQUZrM0xVcElBREFrOGx6amRGM0ttOGVvZG5SLWlHQjBibHBEMnhCMExVOGtDbEdkdnNhRm9aX01tTmxOWHhyV0xQblJjeGlJaHpqMnp3?oc=5) · Ocala StarBanner
- 2009-12-24 [Community Bank CEO named to Fed board - Ocala StarBanner](https://news.google.com/rss/articles/CBMiogFBVV95cUxNWFk3X1hNRkl4RUl1cHhUdUhMUWlvRExBWGVnRU01cEFKXzZqUGlYU0p3TzhraEVJUmcweFZyaDl0d0stbnRsSHl2Q1pscTl4VmZoamIxRkN1MzY2MzdYalA2Ylp2RzZnNDRUWGtlbGZrd3RNbER5YkEwcE0wU1NrV3JzYzh2S3Z4SWRiaHYxYzNwZTdZVDJHZnVCbFZzcGUwc0E?oc=5) · Ocala StarBanner
- 2009-08-28 [News and notes from the business community for the September 2009 issue - Ocala StarBanner](https://news.google.com/rss/articles/CBMixwFBVV95cUxQSFNVQ3ZLNVpCV2FMTWZ6aVVaSGVtRlhBYWNBWTNGT3pRcWdRLWVnOTVBb2NLSGtia19oSFB3UGJEQ0x2eXZWc281eTRhclNHaDU5bWJMdjd3TGtreFdVbXh0VkZXSk1JLVlNTkMtWkVQR0stb0FCMHpMNktnRk1vMFkxLU1sUXVwQTFlRjlRcm9ORTZpR1lWXzcxM2t4WHp4SWRXVmxPZjFsZWZmNTZ0X1BPRHRPWURoZGtEcFMtWTBpS2UxMW9V?oc=5) · Ocala StarBanner
- 2009-04-22 [Banking & Finance: 'Hanging in there' - Ocala StarBanner](https://news.google.com/rss/articles/CBMikwFBVV95cUxPc0NmZUY5X1BVbVN0OFJTcFBsSXNGWTlnaHdhSDNsRU5ybzBaM28wOWozMlhtaUpCclpOVlRsVTFBQ19jeGxyS29ndG56WGZzZm4ySFhTeWlpRlFuekhHcldPMVA3RUtwSTdXY2R0U3lXSlQwVTJlZzZPTFlLYk5IcURNUjM5dnZPcDlrVTRYNkxtWkE?oc=5) · Ocala StarBanner

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58344 (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/40.json (key "58344", 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