# HIGH DESERT BANK
BEND, OR · FDIC certificate 58594 · asset band <$300M · latest filing 2018-03 · stopped filing (departed)

**Verdict on the desk:** this could be *run candidate*. Composite score 11 (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 | $20.3M | |
| Deposits | $20.1M | |
| Loans and leases | $8.1M | |
| Total equity | $221,000 | |
| Loans / deposits | 38.90% (p9 of band) | 75.02% |
| Liquid assets / assets | 60.56% (p90 of band) | |
| Uninsured deposits / deposits | 12.28% (p37 of band) | 15.14% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p19 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 1.76% (p0 of band) | 11.04% |
| Unrealized securities loss / equity | -64.25% (p0 of band) | -2.21% |
| AOCI / equity | -21.72% (p0 of band) | |
| ROA (annualized) | -2.06% (p1 of band) | 0.95% |
| Net interest margin | 3.29% (p25 of band) | 3.73% |
| Efficiency ratio | 225.29% (p100 of band) | |
| Noncurrent loans | 0.00% (p8 of band) | 0.60% |
| Net charge-offs (annualized) | 0.00% (p46 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 88% | |
| Construction % of loans | 159.28% (p99 of band) | |
| Auto loans | $11,000 (0.14% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -19.6% | |
| Employees | 6 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **capital falling** (`cap_falling`)
- **AOCI drag >20% of equity** (`cap_aoci`)
- **securities losses >30% of equity** (`cap_secloss`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **construction >100% equity** (`conc_construction`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, expense ratio p90, construction >100% equity |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 5 | leverage <7%, charge-offs p90 |  |
| 2011-12 | 6 | capital falling |  |
| 2012-03 | 8 | deposits shrinking, assets shrinking, uninsured deposits leaving | charge-offs p90 |
| 2012-06 | 8 | charge-offs p90 | deposits shrinking |
| 2012-09 | 8 |  |  |
| 2012-12 | 3 |  | construction >100% equity, leverage <7%, capital falling, assets shrinking, uninsured deposits leaving |
| 2013-03 | 3 | deposits shrinking | charge-offs p90 |
| 2013-06 | 9 | leverage <7%, capital falling, noncurrent p90, charge-offs p90, reserve under noncurrent, assets shrinking |  |
| 2013-09 | 8 | construction >100% equity | deposits shrinking, assets shrinking |
| 2013-12 | 6 |  | capital falling, construction >100% equity |
| 2014-03 | 5 |  | leverage <7% |
| 2014-06 | 4 |  | charge-offs p90 |
| 2014-09 | 6 | leverage <7%, loans-to-lenders >50% equity |  |
| 2014-12 | 10 | capital falling, charge-offs p90, deposits shrinking, assets shrinking, uninsured deposits leaving | loans-to-lenders >50% equity |
| 2015-03 | 9 |  | charge-offs p90 |
| 2015-06 | 6 | charge-offs p90 | noncurrent p90, reserve under noncurrent, leverage <7%, capital falling |
| 2015-09 | 4 |  | deposits shrinking, assets shrinking |
| 2015-12 | 2 |  | uninsured deposits leaving, charge-offs p90 |
| 2016-03 | 4 | leverage <7%, capital falling |  |
| 2016-06 | 4 |  |  |
| 2016-09 | 8 | leverage <5%, charge-offs p90, assets shrinking |  |
| 2016-12 | 6 |  | capital falling, charge-offs p90 |
| 2017-03 | 8 | deposits shrinking, uninsured deposits leaving |  |
| 2017-06 | 8 | capital falling | uninsured deposits leaving |
| 2017-09 | 8 |  |  |
| 2017-12 | 8 |  |  |
| 2018-03 | 11 | AOCI drag >20% of equity, securities losses >30% of equity, construction >100% equity |  |

## 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=58594 (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/34.json (key "58594", 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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