# JPMORGAN B&T CO NA
SAN FRANCISCO, CA · FDIC certificate 58729 · asset band $10-100B · latest filing 2015-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 6 (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 | $15.57B | |
| Deposits | $25.2M | |
| Loans and leases | $5.12B | |
| Total equity | $1.63B | |
| Loans / deposits | 20023.44% (p100 of band) | 89.18% |
| Liquid assets / assets | 64.03% (p93 of band) | |
| Uninsured deposits / deposits | 99.01% (p100 of band) | 35.21% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 87.64% (p98 of band) | |
| FHLB advances / assets | 83.47% | |
| Tier 1 leverage | 13.61% (p93 of band) | 9.86% |
| Unrealized securities loss / equity | 0.00% (p28 of band) | 0.41% |
| AOCI / equity | 0.00% (p57 of band) | |
| ROA (annualized) | 1.30% (p83 of band) | 0.93% |
| Net interest margin | 2.18% (p12 of band) | 3.18% |
| Efficiency ratio | 10.57% (p3 of band) | |
| Noncurrent loans | 5.68% (p94 of band) | 0.83% |
| Net charge-offs (annualized) | 0.07% (p51 of band) | |
| Reserve coverage of noncurrent | 24.76% | |
| Real estate % of loans | 99% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p19 of band) | |
| Deposits YoY | 0.2% | |
| Employees | 2 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **uninsured deposits >50%** (`liq_uninsured`)
- **wholesale funding >15%** (`liq_wholesale`)
- **NIM <2.5%** (`earn_nim`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | loans exceed deposits, uninsured deposits >50%, wholesale funding >15%, leverage <7%, reserve under noncurrent |  |
| 2011-06 | 5 |  |  |
| 2011-09 | 5 |  |  |
| 2011-12 | 7 | liquid assets <10%, run vulnerability |  |
| 2012-03 | 7 | assets shrinking | leverage <7% |
| 2012-06 | 7 |  |  |
| 2012-09 | 7 |  |  |
| 2012-12 | 8 | noncurrent p90 |  |
| 2013-03 | 8 | charge-offs p90 | liquid assets <10% |
| 2013-06 | 7 |  | charge-offs p90 |
| 2013-09 | 6 |  | run vulnerability |
| 2013-12 | 8 | liquid assets <10%, run vulnerability |  |
| 2014-03 | 7 |  | liquid assets <10% |
| 2014-06 | 7 |  |  |
| 2014-09 | 8 | liquid assets <10% |  |
| 2014-12 | 8 |  |  |
| 2015-03 | 5 |  | assets shrinking, run vulnerability, liquid assets <10% |
| 2015-06 | 6 | NIM <2.5% |  |

## 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=58729 (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/41.json (key "58729", 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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