# EASTWOOD BANK
ROCHESTER, MN · FDIC certificate 8208 · asset band $300M-1B · latest filing 2014-12 · 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 | $656.3M | |
| Deposits | $540.5M | |
| Loans and leases | $422.4M | |
| Total equity | $52.2M | |
| Loans / deposits | 77.20% (p43 of band) | 80.75% |
| Liquid assets / assets | 31.80% (p63 of band) | |
| Uninsured deposits / deposits | 11.75% (p20 of band) | 19.51% |
| Brokered deposits | 0.93% | |
| Wholesale funding | 10.23% (p68 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 7.78% (p4 of band) | 10.04% |
| Unrealized securities loss / equity | -0.31% (p17 of band) | 1.00% |
| AOCI / equity | 2.99% (p70 of band) | |
| ROA (annualized) | 1.00% (p60 of band) | 0.89% |
| Net interest margin | 3.36% (p32 of band) | 3.63% |
| Efficiency ratio | 79.84% (p78 of band) | |
| Noncurrent loans | 0.70% (p42 of band) | 0.89% |
| Net charge-offs (annualized) | 0.03% (p34 of band) | |
| Reserve coverage of noncurrent | 171.78% | |
| Real estate % of loans | 72% | |
| Construction % of loans | 10.69% (p19 of band) | |
| Auto loans | $8.0M (1.90% of loans; DQ 0.84%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 0.3% | |
| Employees | 163 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 0 |  | reserve under noncurrent |
| 2012-03 | 1 | reserve under noncurrent |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 0 |  | reserve under noncurrent |
| 2013-03 | 1 | reserve under noncurrent |  |
| 2013-06 | 1 | capital falling | reserve under noncurrent |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 0 |  | capital falling |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |

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

- 2017-08-21 [Houston’s Eastwood Bank one of 13 purchased by Bremer Bank - hometownsource.com](https://news.google.com/rss/articles/CBMi8gFBVV95cUxQQjg1NUdPeFVBamJkb2xObUNPTklUaGdORXJycEZFbllZckJTSWtvVjE5YnJSb2tmZ25CMkVLMnlDSVBKYWpsWmw1WW9XREM0all0dW80UDE3NE1oMGt5NnU1SFUxNENPYS11emFZbXBvaFdpY0RpY3diVHllNVVlZnVaSWNUUndwRlJRMUszOGpyYzNUa28yVFJnN3BBZTlaUHRoVEFyR1pIemtGUlFCNXlhd1J3RHMyTFFnQTU1QVhOekd1VkJ2RTBFSDFtcXE5ZHhaS1lEcXBVaVJMQmNnSldhSHNJZHJtWmNieVNQV3hFQQ?oc=5) · hometownsource.com
- 2014-01-13 [Heard on the Street: Bhend to head Eastwood Bank in Austin - Post Bulletin](https://news.google.com/rss/articles/CBMimwFBVV95cUxPRWRWVUNKa0cxaWh2bEl4RXpzWDdIZE5VczhWMkN0S0t3bEtBU2tMcm01MjByNUxTeldjaTVQeWlSUGExcUp3TjBDSnlkTnB5U0l3N1RwRVFrU2k5d0F0QmM1bEpPQzV6LWRFWG1EU0xSOFRWNi0ySTE0Zi1NZlZ2R3JVT3VZUE9lLWI2dTVYcl9FYWc2eGZZdE1EZw?oc=5) · Post Bulletin
- 2017-10-23 [Paul Bucher elected to F & M Community Bank Board - Fillmore County Journal](https://news.google.com/rss/articles/CBMiigFBVV95cUxPVy1tamF4LVUyamlKdjlFUmxZNTlLNlg4ZmpRNkRNVUZrNG9UMHZ5Zm9aQzg3eUp4UzRYNXpFdDFVc0lIa29DTkJqUnBJRTFBQ0hFSGdjOTBmLUNXMjUySUEySzFYTzQyR0pRRDJtaEtHcVM5VjZZdk1IUURjaWlwNXJoSkZ6Mm9HMFE?oc=5) · Fillmore County Journal
- 2015-01-26 [Bremer Bank acquires 13 Rochester-area banks - St. Cloud Times](https://news.google.com/rss/articles/CBMinwFBVV95cUxQWEhlaTBVQVplRjJjUEpKUm9NaVVfY0lqNVh4eURPdV9iSGcyZkhWMGZjSjdMRjhrY1dFVE5VNk9EY1VsTFNMLVdWTmZjQjlScFl2bFZDRkx1TnZhT2FRMnJmeXBVRW9qUXRhRUx4SURhVHAtZGozU2hnWGQ1aHZGYUdjV2ExWXUxZnY2YmtodlBjTU11TWFHR0c5cXppZk0?oc=5) · St. Cloud Times
- 2023-07-14 [James L. Talen Obituary Jul 14, 2023 - Ranfranz and Vine Funeral Homes](https://news.google.com/rss/articles/CBMiZ0FVX3lxTFBBREh6T2lHZmZmOGFmR01QblBvVG9aSF95N2pQLXdYM1ZNS0lkSDNhQV8zZTduMlZ1ZnRMWGNmYW9CUlQtQlp1WW91TkFBWXk5d2FsdjYyVmtjQU5icU14WnJpb1FDYzA?oc=5) · Ranfranz and Vine Funeral Homes
- 2021-08-22 [Linda K Bailey Obituary Aug 22, 2021 - Hoff Funeral & Cremation Service](https://news.google.com/rss/articles/CBMiY0FVX3lxTE4zV2htNEliSUdVTE4tU1NUSXFlRjM1Q2luVkhPbm5zamFpZ2NEeFBWTlNEYVpTbEVxd3JLVl9IOW1EYWhjcmNFdXZXQmhnUFpmREtVeUhsYUc5N2pLdGtTNWJZbw?oc=5) · Hoff Funeral & Cremation Service
- 2011-10-25 [Peter Michael Stellpflug Obituary Oct 25, 2011 - Macken Funeral Home & Cremation Services](https://news.google.com/rss/articles/CBMibkFVX3lxTE1JeGR3djhkRENyd3BRX3pWWm9ybzhpeHJyRWNld21hMWRHckFBOUZUQ3FJMzFfaFd0V3hHYlBCTGlMRVZTZmNpc0traHRmSmpzVzdPZThab3RLd1pNMGE0cDVHNEJfUmJqWmgzLXlB?oc=5) · Macken Funeral Home & Cremation Services
- 2021-08-30 [Richard Dean Bjerkaas Obituary Aug 30, 2021 - Ranfranz and Vine Funeral Homes](https://news.google.com/rss/articles/CBMidEFVX3lxTE1yMnp2UlFXeXpZbDRiNGZmMFM5aXk4MThSaEh5OWM5Y19tanBFRXFZY2dsQUZmWkJRbi1mc05sV0pJclpuajMtMl95RVlXelV0Z05uT2c0MkhYSUJQMWJkc3BGNDhJSlZiOHBNTnplOGJyZm5o?oc=5) · Ranfranz and Vine Funeral Homes

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8208 (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/16.json (key "8208", 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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