# COLLIN BANK
PLANO, TX · FDIC certificate 58610 · asset band <$300M · latest filing 2013-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 5 (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 | $173.3M | |
| Deposits | $121.2M | |
| Loans and leases | $80.0M | |
| Total equity | $25.7M | |
| Loans / deposits | 65.04% (p42 of band) | 69.26% |
| Liquid assets / assets | 52.58% (p81 of band) | |
| Uninsured deposits / deposits | 26.62% (p91 of band) | 11.87% |
| Brokered deposits | 3.91% | |
| Wholesale funding | 18.91% (p95 of band) | |
| FHLB advances / assets | 15.00% | |
| Tier 1 leverage | 15.03% (p88 of band) | 10.33% |
| Unrealized securities loss / equity | -4.23% (p23 of band) | -0.53% |
| AOCI / equity | -0.88% (p72 of band) | |
| ROA (annualized) | 0.08% (p12 of band) | 0.77% |
| Net interest margin | 2.55% (p9 of band) | 3.62% |
| Efficiency ratio | 97.10% (p90 of band) | |
| Noncurrent loans | 0.00% (p5 of band) | 1.08% |
| Net charge-offs (annualized) | 0.16% (p71 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 77% | |
| Construction % of loans | 74.80% (p90 of band) | |
| Auto loans | $503,000 (0.63% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -37.4% | |
| Employees | 20 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **expense ratio p90** (`earn_efficiency`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 6 | brokered >10%, wholesale funding >15%, noncurrent p90, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 4 |  | noncurrent p90, charge-offs p90 |
| 2011-09 | 6 | capital falling, expense ratio p90 |  |
| 2011-12 | 2 |  | brokered >10%, construction >100% equity, capital falling, expense ratio p90 |
| 2012-03 | 2 | losing money, expense ratio p90 | wholesale funding >15%, reserve under noncurrent |
| 2012-06 | 3 | capital falling, reserve under noncurrent | losing money |
| 2012-09 | 2 |  | reserve under noncurrent |
| 2012-12 | 1 |  | capital falling |
| 2013-03 | 5 | losing money, NIM <2.5%, deposits shrinking, assets shrinking |  |
| 2013-06 | 6 | uninsured deposits leaving |  |
| 2013-09 | 5 | wholesale funding >15% | losing money, NIM <2.5% |

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

- 2013-08-09 [Q&A: C.K. Lee of Commerce Street Capital - The Business Press](https://news.google.com/rss/articles/CBMigwFBVV95cUxPNFVYT0ZaRmhpWDdmZjZ1VndIejh1SGdXLXJYT21menN3Q1E3eXN5SUlpVVBaTHhCLWtqRVFUelM4S1B1bmtzaVAxeDBXaDJVYzJsQnlkYjZzM01JWGxxTnhKUzMzZmJ1MU5KNTlqNVFEcnU2NWdDajdhQ19SZlR2ajJWNA?oc=5) · The Business Press

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58610 (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/50.json (key "58610", 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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