# AMERICAN PERSPECTIVE BANK
SAN LUIS OBISPO, CA · FDIC certificate 58614 · asset band <$300M · latest filing 2012-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. 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 | $271.0M | |
| Deposits | $220.2M | |
| Loans and leases | $199.4M | |
| Total equity | $43.1M | |
| Loans / deposits | 88.81% (p85 of band) | 69.17% |
| Liquid assets / assets | 25.05% (p27 of band) | |
| Uninsured deposits / deposits | 47.73% (p99 of band) | 8.28% |
| Brokered deposits | 4.77% | |
| Wholesale funding | 7.46% (p77 of band) | |
| FHLB advances / assets | 2.69% | |
| Tier 1 leverage | 15.96% (p91 of band) | 10.02% |
| Unrealized securities loss / equity | 2.21% (p41 of band) | 3.21% |
| AOCI / equity | 0.40% (p67 of band) | |
| ROA (annualized) | -0.37% (p8 of band) | 0.78% |
| Net interest margin | 4.16% (p73 of band) | 3.76% |
| Efficiency ratio | 84.38% (p74 of band) | |
| Noncurrent loans | 0.21% (p20 of band) | 1.31% |
| Net charge-offs (annualized) | 0.00% (p25 of band) | |
| Reserve coverage of noncurrent | 933.33% | |
| Real estate % of loans | 73% | |
| Construction % of loans | 36.33% (p72 of band) | |
| Auto loans | $2,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 12.0% | |
| Employees | 37 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 0 |  | capital falling |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | losing money |  |

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

- 2015-09-30 [San Luis Obispo, California: Mixed-Income Affordable Housing at Moylan Terrace - HUD User (.gov)](https://news.google.com/rss/articles/CBMickFVX3lxTE5lb05LaUxUZFBWVkhqSXIyd3dNTFBNZFVWQV9zazVkUWFyN21sU2NQN05RLW4zZ0JFdGVxbDRTYzluN1FlYXE0TGI2VHFMYmhzN1hwcHhCSnZEbEJEM210Ym9GNzVwSVFYc2tiYllGdVRWQQ?oc=5) · HUD User (.gov)

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58614 (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/54.json (key "58614", 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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