# FLORIDA SHORES BANK SW
VENICE, FL · FDIC certificate 58616 · asset band $300M-1B · latest filing 2013-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $397.9M | |
| Deposits | $364.4M | |
| Loans and leases | $232.8M | |
| Total equity | $32.8M | |
| Loans / deposits | 62.80% (p22 of band) | 77.63% |
| Liquid assets / assets | 39.48% (p75 of band) | |
| Uninsured deposits / deposits | 15.70% (p40 of band) | 18.22% |
| Brokered deposits | 9.57% | |
| Wholesale funding | 9.57% (p68 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.95% (p25 of band) | 9.92% |
| Unrealized securities loss / equity | -12.48% (p8 of band) | -1.24% |
| AOCI / equity | -12.92% (p10 of band) | |
| ROA (annualized) | 0.39% (p17 of band) | 0.83% |
| Net interest margin | 3.39% (p37 of band) | 3.59% |
| Efficiency ratio | 71.36% (p54 of band) | |
| Noncurrent loans | 1.10% (p48 of band) | 1.18% |
| Net charge-offs (annualized) | 0.02% (p21 of band) | |
| Reserve coverage of noncurrent | 156.25% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 43.49% (p62 of band) | |
| Auto loans | $106,000 (0.05% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 12.7% | |
| Employees | 42 | |

## Flags firing in the latest filing

- none

## Warning timeline

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

## 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=58616 (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/56.json (key "58616", 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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