# INSIGNIA BANK
SARASOTA, FL · FDIC certificate 58387 · asset band <$300M · latest filing 2016-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $243.7M | |
| Deposits | $202.9M | |
| Loans and leases | $194.2M | |
| Total equity | $25.1M | |
| Loans / deposits | 94.57% (p86 of band) | 74.46% |
| Liquid assets / assets | 15.81% (p15 of band) | |
| Uninsured deposits / deposits | 39.28% (p96 of band) | 14.82% |
| Brokered deposits | 2.20% | |
| Wholesale funding | 8.16% (p78 of band) | |
| FHLB advances / assets | 5.96% | |
| Tier 1 leverage | 9.92% (p34 of band) | 10.76% |
| Unrealized securities loss / equity | -3.38% (p21 of band) | -0.86% |
| AOCI / equity | -1.62% (p41 of band) | |
| ROA (annualized) | 0.65% (p35 of band) | 0.85% |
| Net interest margin | 3.53% (p42 of band) | 3.68% |
| Efficiency ratio | 73.79% (p54 of band) | |
| Noncurrent loans | 0.00% (p8 of band) | 0.62% |
| Net charge-offs (annualized) | -0.03% (p9 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 98% | |
| Construction % of loans | 7.41% (p34 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 | 19.1% | |
| Employees | 42 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | reserve under noncurrent |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 3 | deposits shrinking, assets shrinking |  |
| 2012-06 | 1 |  | deposits shrinking, assets shrinking |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 | capital falling | reserve under noncurrent |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 0 |  | capital falling |
| 2015-12 | 1 | loans exceed deposits |  |
| 2016-03 | 1 | capital falling | loans exceed deposits |
| 2016-06 | 1 |  |  |
| 2016-09 | 0 |  | capital falling |
| 2016-12 | 0 |  |  |

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

- 2017-05-08 [Profits mixed at community banks - Sarasota Herald-Tribune](https://news.google.com/rss/articles/CBMiogFBVV95cUxOUC1HaUExLUdvWUpoM3RiMGo2REhXV0pvMHZwYk1lV082el9UZGdzVjU2b193S1hHQVY5bWNkRG5Ba1VsdXFLNVh6eF9sRjN0UmV3VUtSM0liRWt3UXdwc1JIRXY2cXItTDRoelVkR2NOa0E2aGFibkg2cUtUMWpDNHlvSElweGR6X2JQTEo5N0VMYktKZFRRelloQ29mTWU2M2c?oc=5) · Sarasota Herald-Tribune
- 2016-08-26 [Inside the strategy of the bank poised to become the Sarasota market leader - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOWHBKQXNobmR3MkxBV25TQ0l5MjNBVEYtN1Fib1Fzb2ItRXV5bXF5b1dNQ0VQLVhTOUw4clMydUdoSXZEYVk0QnM5UWxoSDdGUlpraWtYRnB6RHdZLWVvQXVGMmdVblF2RHNyWVVwUl9DdmRDUlhvNUJkYldCSW96TUx2VFJFaDlyVnA4Ym5MUEw4aEZGRHRLS2F0dDc2LVI5OHNCdmk1dG9IUQ?oc=5) · The Business Journals
- 2016-09-02 [Stonegate is rolling - Sarasota Herald-Tribune](https://news.google.com/rss/articles/CBMivAFBVV95cUxPeUwyX1g4b0JSM09yNGpJY3BkZEZYVVRrUWs1N0x2MXRzdnpLU3FFbWlqOHFGd2tsZ1JsM05TUnhjMVZWYmpRTDNJV2ZjUTBIZEEzYzF0ZXV1WXZWSWtGUURsNU5RVTgxX05relZDWnZYMHhucjI5VnlQZ0xTcHpxOVBrQXhKQjNhRGFqMExWR1g3U2dYdnpvRkN5UmIyS2ZxMmJoa1AxZXJCX1lTcFV0RUtYeWpmalFoNU1YVw?oc=5) · Sarasota Herald-Tribune
- 2018-07-20 [Bank of America latest to close branches in Southwest Florida - Sarasota Herald-Tribune](https://news.google.com/rss/articles/CBMi4AFBVV95cUxOYWh1UWZ0YnlsWnlDSHppTHVXR0JGZk9Yd21pWHM5VTNLajVYTW5weV9BWjI2ZGtmOWZzbnFadF9BcGpYX1c3cTZKcnMwcFJfQXZTVzF4RU10SXJRdDREcTZKZF9NaC1qVFBpaW5xbGNUdFN0VER6QmJZd3ZEdDFIdUVIQnNTbGVjY3JaYXl6UjB6dmh4YlhxYnBZbGROY1dTQkd3SnQyRVZ6al9PeVcwdlh0ZFFfOGl3eVdFYXhHelU3S1V5dndzSHVoOVhrZlpNalk2OGRaT2JFTUNtTkUxeQ?oc=5) · Sarasota Herald-Tribune
- 2016-10-31 [Four local banks post higher profits, three lower - Sarasota Herald-Tribune](https://news.google.com/rss/articles/CBMitwFBVV95cUxNZlZDbGxUT01EOG9wWXJCUGEtQ0w2LWNlR2xHbldwM2ZLaUlMNngwenduU0hyNVFoaHZuenZzVzg4RldOYmRMbjBxQWw4ajR0aXZTLUgxbHdybEszVTVGN3ZJTTRWZzVobzRqVmctMElmTS1wREFiazRYOE4yVnZYY0JmY1gtYzEzd1YyMlQ4RFJ4S2R4STlOWUZSM1Zkcjd6U2I4emxfci1rbHp4NTYtam9OWng5M2M?oc=5) · Sarasota Herald-Tribune
- 2013-02-01 [Region's community banks all profitable in 2012 - Sarasota Herald-Tribune](https://news.google.com/rss/articles/CBMisAFBVV95cUxOamxKbWJ1T0J2cjFvTnEwazVfcC1ET3kwMm00WVp6ejR0VmoxSkxCemtBdjhtSWNlQkRPcGwxNkpzWGVWVTNTVldGSE5wU3ZhTUd5TzVQUmR0Y25MUkJ3Q1BVVi1nWGpnTHVfenk1VmdwX0d5TzA2V3dIRWwyODRKZWRtaWdFZVlsYVNUSlV1aWFPQWFzQmNQdmxQd0Z0U09CQ3RHXzBLRGJCa2RSckp0YQ?oc=5) · Sarasota Herald-Tribune
- 2006-08-14 [Mergers create opportunities for new community banks - Sarasota Herald-Tribune](https://news.google.com/rss/articles/CBMiuAFBVV95cUxOQjdfUWNmR1VUaVRYQnFncktwYW9lQ0FabHBhNGtjRXJzaHFIemszQW9tQ0k0WFBFQ3lXMktoVFpwUzMwTXdQS1o4OFhHLWFCUWZ0bVNMNXd3ekUxSnVld3BLR2hXZTNnVEMtTEJ1b1cxN0VSU0t1NTd4QkQ0cWVUejB0NlBiTDF1M0lUcnFqS0hqTDZlR2dQT0w1RTlFX1JGNl82M0FPMWhBSE9DUXNBdXctT1FPbnFR?oc=5) · Sarasota Herald-Tribune
- 2011-08-01 [Southwest Florida banks' earnings reports mixed - Sarasota Herald-Tribune](https://news.google.com/rss/articles/CBMisAFBVV95cUxOT0tzT3pCdk9RcDNaM0lGeF90eERLbDJlQUdXYUJKRnE5alROLUlqdldpTlozYkN1Vkt3NjNzWEVfODYxei1vT0IwSXNRQmtxaENscmJQN25YLUoySmxRUkpHci1zLUVKUjY1eDVXLVU1RjZUMW5fZFRXMEZmRy1sMjdhM012bXdhWnlGSy0zY01YMHFMdWh5Y0swV19ERjAzNzZ2MjNpSFF3N1ZIUWNqRg?oc=5) · Sarasota Herald-Tribune

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58387 (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/19.json (key "58387", 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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