# BANK OF LAS COLINAS
IRVING, TX · FDIC certificate 58688 · asset band <$300M · latest filing 2011-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 2 (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 | $51.2M | |
| Deposits | $45.3M | |
| Loans and leases | $41.4M | |
| Total equity | $5.8M | |
| Loans / deposits | 89.65% (p86 of band) | 71.39% |
| Liquid assets / assets | 19.03% (p16 of band) | |
| Uninsured deposits / deposits | 2.47% (p14 of band) | 8.02% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p16 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.24% (p67 of band) | 9.99% |
| Unrealized securities loss / equity | 0.00% (p9 of band) | 3.72% |
| AOCI / equity | 0.00% (p16 of band) | |
| ROA (annualized) | 0.50% (p37 of band) | 0.72% |
| Net interest margin | 4.63% (p87 of band) | 3.86% |
| Efficiency ratio | 88.47% (p80 of band) | |
| Noncurrent loans | 2.08% (p60 of band) | 1.48% |
| Net charge-offs (annualized) | 0.07% (p42 of band) | |
| Reserve coverage of noncurrent | 81.65% | |
| Real estate % of loans | 66% | |
| Construction % of loans | 101.30% (p94 of band) | |
| Auto loans | $358,000 (0.87% of loans; DQ 0.00%, NCO 0.07%) | |
| Loans to nondepository financials | $0 (– of equity) | |
| Deposits YoY | – | |
| Employees | 10 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 2 | construction >100% equity |  |
| 2011-09 | 2 |  |  |

## 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=58688 (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/0.json (key "58688", 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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