# PROAMERICA BANK
LOS ANGELES, CA · FDIC certificate 58349 · asset band <$300M · latest filing 2016-03 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $185.2M | |
| Deposits | $158.6M | |
| Loans and leases | $139.6M | |
| Total equity | $25.4M | |
| Loans / deposits | 86.61% (p74 of band) | 72.92% |
| Liquid assets / assets | 23.43% (p30 of band) | |
| Uninsured deposits / deposits | 25.52% (p86 of band) | 13.88% |
| Brokered deposits | 26.04% | |
| Wholesale funding | 26.04% (p98 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.07% (p77 of band) | 10.70% |
| Unrealized securities loss / equity | 0.00% (p14 of band) | 1.19% |
| AOCI / equity | 0.00% (p12 of band) | |
| ROA (annualized) | 0.44% (p23 of band) | 0.83% |
| Net interest margin | 3.82% (p61 of band) | 3.64% |
| Efficiency ratio | 81.41% (p71 of band) | |
| Noncurrent loans | 0.37% (p37 of band) | 0.70% |
| Net charge-offs (annualized) | -0.05% (p9 of band) | |
| Reserve coverage of noncurrent | 432.50% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 26.64% (p64 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 21.0% | |
| Employees | 28 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | brokered >10%, wholesale funding >15% |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 5 | losing money, noncurrent p90, reserve under noncurrent |  |
| 2012-03 | 4 |  | losing money |
| 2012-06 | 4 |  |  |
| 2012-09 | 5 | uninsured deposits leaving |  |
| 2012-12 | 5 | capital falling | uninsured deposits leaving |
| 2013-03 | 3 | expense ratio p90 | noncurrent p90, reserve under noncurrent, capital falling |
| 2013-06 | 2 |  | expense ratio p90 |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 3 | deposits shrinking |  |
| 2014-09 | 4 | capital falling, charge-offs p90 | deposits shrinking |
| 2014-12 | 4 |  |  |
| 2015-03 | 5 | losing money, expense ratio p90, uninsured deposits leaving | capital falling, charge-offs p90 |
| 2015-06 | 2 |  | losing money, expense ratio p90, uninsured deposits leaving |
| 2015-09 | 3 | capital falling |  |
| 2015-12 | 3 |  |  |
| 2016-03 | 3 |  |  |

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

- 2014-04-08 [Maria Contreras-Sweet Ceremonially Sworn In as Administrator of the Small Business Administration - National Archives (.gov)](https://news.google.com/rss/articles/CBMi0wFBVV95cUxObDR5LVFxOFp5NXkzc0RxM2dUaHdFbjFxVGhCc2dDR2MzTFNkRE00UTJubzNUUENfYkRiSk8zZjFxNW9mS3pzbEdHLVZtVmZSSUNzZ29lYkRhNVJpUzdQN0ItLUM0eGZFQTM3Q25TZERXdm9PODk4bWdYTzF1ekxla202ZDBuSWdLblUwZXhsTUtxU1VpRGZSTEZ5NFFRdFFCYVdzV2FtM00temZlN1dsMENSOFZvbW81dS1uTjg3Y3BGZEZNRExQSWN6UXFLUG1ueVdN?oc=5) · National Archives (.gov)
- 2021-01-07 [President-Elect Joe Biden Selects Isabel Guzman to Lead the SBA - inc.com](https://news.google.com/rss/articles/CBMirAFBVV95cUxPdmtQVl9LTXZrRUVvcmdYRk5QMGM0TlFyWTFJTHRqcC03b3BmWlo5QW9SMFFPR0RlX3JDTFh1bVBGbWNvNjBuVDYtMXRIMEhGZk5yaDk3TGdDOW1ybU5SM1VQRW1IQ3F0SURRMVA5a2tNMTdXUTlSb3dVNHNIb3NRN1g2UXExZW1lQ3NCZk9SeFJ0dWZuQ183eWl6MHUxNVY2SXVaMlI3R2Jha2o1?oc=5) · inc.com
- 2014-01-15 [Obama Nominates Maria Contreras-Sweet To Head SBA - Texas Public Radio | TPR](https://news.google.com/rss/articles/CBMihwFBVV95cUxNbS14NWExMTJKNTBwWEZQWXlxa2ZPVUhjdnI4ZFRMSGdBbkhQeHZ4WVRlOFJRaUpsNTVnd25xUGI0eTZKeVN2akdVSF94cWtTUWowaUQ3RmxLTWVDckZ3dG5yelczb2pkR1hzeHZXcnBkNERUV3JXMG0xNXlOZ2VDM1B1bW53WE0?oc=5) · Texas Public Radio | TPR
- 2014-12-14 [Meet President Obama’s small business guru - Fortune](https://news.google.com/rss/articles/CBMifkFVX3lxTE12c255S2x5OUpmTjNZakVqTmdwekdKa1g1cDk5NjltandUaDFZV0dHWVN3dUpLbXl6OXdselhFTXJwd1ItVjB4SjdTZzllQm53UjFTS3JkWE14NnlER3VvOHgzdV9FSXczQklEamh0cTM4TlpvYmRkTWJQSExCdw?oc=5) · Fortune
- 2017-03-14 [Sempra Adds Obama SBA Chief Maria Contreras-Sweet to Board - Times of San Diego](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOQW1iWmZNVnVQbTBwZGEtNm5mbmNqVEdpSDM0Q0xjbDFMX0llWVRtSG82RXhnM2JGbHU1bHpfVWJqNGFzY1hCaUZ2TWxVRUZpVTRuUHd4RjJZdW4xMm5jZXotcnVobXgwWVlFdjh4dWpYeklwNVN6TVZCSkJOU3N0ODBhck5GZHNsV2lqSWExLWRuQ2FCZ0lIbGRoT3J2TC1JOHdpT2kzR3pQMVk?oc=5) · Times of San Diego
- 2014-01-14 [SBA nominee has business background - The Fayetteville Observer](https://news.google.com/rss/articles/CBMipAFBVV95cUxPVFZ3U0xnNnc4QkVkQzdMenNWc0JveWthTzEzb1dLeXVaUi11ZUZUNzNRTHFMZktUeDlNdHkzakJYcHpydmsxWDJlSm1JeUQ0T0FXNlN3bFRVTFhkcmhqV2pfUDdtRnZyR1RvOTRxaFlCNFVTRFZIN1RrdlR4amtkVnljUEdfZDM1YnI4a0c3MV9JbGMyemtrWER0aGdRM2wzQ2haTg?oc=5) · The Fayetteville Observer
- 2015-06-14 [How I Made It: As SBA chief, Maria Contreras-Sweet strives to lift entrepreneurs - Los Angeles Times](https://news.google.com/rss/articles/CBMijAFBVV95cUxOeldkeGlDS1FnSThlQjR4ZjRmMjVVaUpLVkx3TElhTFdJN1B5YWxBRkREb2pKbExVX2Fia3dyWTlVeFBYaEstSkxFYVBiRnB1dXVZRlE1eGV5MkExZjhkU05TQS05SENQV0c2R1ZXc0JCZHBhTFFuWFNJVGtDNFRhSDY2dUZkeDk2MUYtRw?oc=5) · Los Angeles Times
- 2014-01-15 [Obama picks new Small Business Administration leader - USA Today](https://news.google.com/rss/articles/CBMitwFBVV95cUxONV96QXh6cVdoMXBBclJoeHQtYnBWR01SUXhQcnRSX20zNG9lZnkyMldzOE5vMjN4Vk5XSEQzSmY3MktEUTExUVl5U1JGbDQ1RlkzOUt1MnJOMzZORFgzbHUtU3JxSkY4OEFOTWFLNWstQUpWT3N5T2t1MkhrZVotaFZUSEJLeWdsU2Zla05BR1p5LWhlT3J6WVlsZC14M1NTemwxck9LMUtLOWJpWkNWQXN3cUxsRkE?oc=5) · USA Today

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58349 (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/45.json (key "58349", 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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