# BANK OF MANHATTAN N A
EL SEGUNDO, CA · FDIC certificate 58568 · asset band $300M-1B · latest filing 2015-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. 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 | $481.5M | |
| Deposits | $416.0M | |
| Loans and leases | $378.7M | |
| Total equity | $54.0M | |
| Loans / deposits | 90.25% (p71 of band) | 79.82% |
| Liquid assets / assets | 16.24% (p19 of band) | |
| Uninsured deposits / deposits | 42.58% (p94 of band) | 19.17% |
| Brokered deposits | 2.02% | |
| Wholesale funding | 3.40% (p37 of band) | |
| FHLB advances / assets | 1.37% | |
| Tier 1 leverage | 9.42% (p32 of band) | 10.09% |
| Unrealized securities loss / equity | 0.29% (p21 of band) | 1.83% |
| AOCI / equity | 0.23% (p36 of band) | |
| ROA (annualized) | -1.46% (p1 of band) | 0.88% |
| Net interest margin | 4.63% (p94 of band) | 3.54% |
| Efficiency ratio | 120.57% (p99 of band) | |
| Noncurrent loans | 0.19% (p15 of band) | 0.85% |
| Net charge-offs (annualized) | 0.00% (p27 of band) | |
| Reserve coverage of noncurrent | 469.50% | |
| Real estate % of loans | 77% | |
| Construction % of loans | 11.51% (p21 of band) | |
| Auto loans | $17.9M (4.74% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | -4.5% | |
| Employees | 88 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, expense ratio p90 |  |
| 2011-06 | 3 | reserve under noncurrent |  |
| 2011-09 | 4 | capital falling |  |
| 2011-12 | 6 | brokered >10%, wholesale funding >15% |  |
| 2012-03 | 3 |  | reserve under noncurrent, brokered >10%, wholesale funding >15% |
| 2012-06 | 4 | liquid assets <10%, reserve under noncurrent | capital falling |
| 2012-09 | 2 |  | losing money, liquid assets <10% |
| 2012-12 | 2 |  |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 3 | capital falling |  |
| 2013-09 | 2 |  | capital falling |
| 2013-12 | 1 |  | reserve under noncurrent |
| 2014-03 | 2 | losing money |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 3 | capital falling |  |

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

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58568 (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/8.json (key "58568", 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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