# BANKASIANA
PALISADES PARK, NJ · FDIC certificate 58525 · asset band <$300M · latest filing 2013-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $204.5M | |
| Deposits | $162.5M | |
| Loans and leases | $176.6M | |
| Total equity | $29.8M | |
| Loans / deposits | 106.52% (p97 of band) | 69.26% |
| Liquid assets / assets | 12.98% (p5 of band) | |
| Uninsured deposits / deposits | 25.77% (p90 of band) | 11.87% |
| Brokered deposits | 1.56% | |
| Wholesale funding | 6.45% (p73 of band) | |
| FHLB advances / assets | 4.89% | |
| Tier 1 leverage | 14.56% (p87 of band) | 10.33% |
| Unrealized securities loss / equity | 0.68% (p78 of band) | -0.53% |
| AOCI / equity | -0.27% (p80 of band) | |
| ROA (annualized) | 0.86% (p56 of band) | 0.77% |
| Net interest margin | 4.58% (p90 of band) | 3.62% |
| Efficiency ratio | 65.69% (p30 of band) | |
| Noncurrent loans | 1.04% (p49 of band) | 1.08% |
| Net charge-offs (annualized) | 0.09% (p60 of band) | |
| Reserve coverage of noncurrent | 194.83% | |
| Real estate % of loans | 73% | |
| Construction % of loans | 14.92% (p49 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 | 4.9% | |
| Employees | 37 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 3 | loans exceed deposits |  |
| 2012-03 | 2 |  | loans exceed deposits |
| 2012-06 | 3 | charge-offs p90 |  |
| 2012-09 | 2 |  | capital falling |
| 2012-12 | 0 |  | reserve under noncurrent, charge-offs p90 |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | loans exceed deposits |  |

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

- 2016-03-22 [Fort Lee Bank Official From Englewood Cliffs Admits Embezzling $1M+ - DailyVoice.com](https://news.google.com/rss/articles/CBMingFBVV95cUxOZGdYcFdSeUNxRTFfYmM3OTRiaHlvOEZZX0Q1V29BUzFJQ2VaNFcwTzZtdmg3NU5LMzZydXc0TUxXaVN0Y0ktMGhkRF9xN0pvT285S0hzWG1iXzF0RlVoVHltLXIwSVYtd1FJNzZUNmhhaURzRzF2X1VoM2N2d0tGZHFZT2JjMWItanJjZ1lRVkJTdVM1bVJneEllUjNPUQ?oc=5) · DailyVoice.com
- 2016-10-26 [Mom sentenced to nearly 7 years after embezzlement - USA Today](https://news.google.com/rss/articles/CBMinAFBVV95cUxNMlRBVkZtd1owdzhBVTl0SGxpNVlDZWFyNzlLRGRnbWh2QXl3TnU2aVdqdS11U01jMFdwV3dIN3lyYnkyUVhfWnExRTlUZF9QclEtS3lqRlp3cEFPOW1HYTJadzZzRXg1VEhuVko2OWdtN0ZUNWNOZ1lUb2draVlrOV92VzZlN2RkSlo5VmJHaXF6bkVqdXJzUU5VYng?oc=5) · USA Today

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58525 (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/29.json (key "58525", 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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