# PROFESSIONAL BUSINESS BANK
PASADENA, CA · FDIC certificate 58674 · asset band <$300M · latest filing 2012-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. 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 | $230.2M | |
| Deposits | $192.7M | |
| Loans and leases | $167.2M | |
| Total equity | $33.9M | |
| Loans / deposits | 85.76% (p84 of band) | 67.95% |
| Liquid assets / assets | 22.44% (p19 of band) | |
| Uninsured deposits / deposits | 12.44% (p70 of band) | 8.38% |
| Brokered deposits | 8.08% | |
| Wholesale funding | 8.08% (p79 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.91% (p86 of band) | 9.95% |
| Unrealized securities loss / equity | 0.13% (p17 of band) | 2.77% |
| AOCI / equity | -0.80% (p13 of band) | |
| ROA (annualized) | -0.94% (p5 of band) | 0.78% |
| Net interest margin | 4.63% (p88 of band) | 3.77% |
| Efficiency ratio | 149.34% (p98 of band) | |
| Noncurrent loans | 5.09% (p87 of band) | 1.40% |
| Net charge-offs (annualized) | 0.05% (p58 of band) | |
| Reserve coverage of noncurrent | 22.45% | |
| Real estate % of loans | 71% | |
| Construction % of loans | 0.11% (p15 of band) | |
| Auto loans | $607,000 (0.36% of loans; DQ 3.13%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -24.4% | |
| Employees | 48 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | losing money, expense ratio p90, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 2 |  | losing money, expense ratio p90 |
| 2011-09 | 3 | losing money |  |
| 2011-12 | 2 |  | noncurrent p90 |
| 2012-03 | 5 | expense ratio p90, deposits shrinking, assets shrinking |  |

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

- 2010-07-20 [California General Bank and Professional Business Bank Announce Merger - Pasadena Now](https://news.google.com/rss/articles/CBMioAFBVV95cUxNWUxPQzdGOWpNeTZ2SFdrLXBmNzVwS1AtcFdkWGNub2dUemFLeGUxMnVGWjF6cGx6MURyLWxUdkNzT2t5cmxyOTlHZ3hHb3ZDQy1NYkRDM3UzUjBmX0laclpzY2xJRDIxNlBOc2h4d0NwaVRBUHJ3Wl9PdlpZbVF4eFoyQ0pEVEw2T1hjSG5LQmxiR0hGS194a0ZZaVZwYk1I?oc=5) · Pasadena Now
- 2012-11-01 [The Private Equity Effect - American Banker](https://news.google.com/rss/articles/CBMibkFVX3lxTE5BQnlWTWNKX0JOVl83SmFLdGZFUHhTanNHdFNCOTkzS05EejB1VlFKMVh2OUMwOV9BRjlSUHNDaFYwdFR5SzhQN3JxNUxDUkxyM1otaHp2WkFHMXAwaUlfUXJLa28zdXY2emxTOER3?oc=5) · American Banker
- 2024-08-05 [Nano Banc Chairman Takes on CEO Role - Orange County Business Journal](https://news.google.com/rss/articles/CBMidEFVX3lxTFAydC01VmJNVTJpaUJ2dGV5SF9HeVkzLTFXeFk4ZFV5MWZWRFJKVVRhMXlGSlNuMjZGRFRQQUIyVktvdHpmaGtuV1h4YW00RFZfMXluTnlQWVV4Szl2TFNRQ0c2Ty1HOHFjUjMtRXRlZU1pa1N3?oc=5) · Orange County Business Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58674 (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 "58674", 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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