STRATUMfiling intelligence๐Ÿ‡ฎ๐Ÿ‡ณ Indian private portal

CIK 1411974

MERIDIAN INTERSTATE BANCORP INC
CIK 0001411974 ยท EDGAR โ†—
cleanelevatedtriggeredno dataplanned
68.2
composite ยท 2 signals ยท TRIGGERED

Every card below shows the score and the exact filing data it was computed from โ€” no unexplained numbers. Some signals (P-02, P-03, P-08, P-09, P-10, P-11) pull live documents from SEC EDGAR the first time you view this company; a few of those (P-03, P-10, P-11) use AI to read the filing text, but every AI claim must quote the actual document verbatim or it's discarded โ€” never a guess.

Chat with this filing โ†’

Ask follow-up questions about the latest 10-K, with citations verified against the actual text. No account needed.

Investigation memo โ€” generate one โ†’

Run the bounded investigation agent โ€” reads this company's signals and writes a short, cited summary.

Signals

P-13 ยท FY 2013-12-31 ยท TRIGGERED85.2

Zombie / distress

Zombie: interest coverage below 1.0x for 4 consecutive years
trend: flat
Trend
Source: 10-K on SEC.gov (filed 2014-03-17) โ†—
Evidence โ€” inputs and thresholds
{
  "icr_by_year": {
    "2013-12-31": -0.007,
    "2012-12-31": -0.011,
    "2011-12-31": -0.015,
    "2010-12-31": -0.029
  },
  "consecutive_years_below_1": 4,
  "altman_z_double_prime": 0.305,
  "definitions": {
    "zombie": "ICR<1 for 3+ consecutive FYs (BIS 2018)",
    "z_distress": "<1.1 distress, 1.1-2.6 gray, >2.6 safe"
  },
  "inputs": {
    "ebit_t": -134000,
    "interest_expense_t": 20135000
  },
  "stale": false,
  "latest_filing_period": "2013-12-31",
  "source": {
    "url": "https://www.sec.gov/Archives/edgar/data/1411974/000119312514102326/0001193125-14-102326-index.htm",
    "form": "10-K",
    "filed": "2014-03-17"
  }
}
P-05 ยท FY 2013-12-31 ยท CLEAN0.0

Tax arbitrage

ETR 34.3% โ€” within normal range of statutory
trend: flat
Trend
Source: 10-K on SEC.gov (filed 2014-03-17) โ†—
Evidence โ€” inputs and thresholds
{
  "etr_by_year": {
    "2013-12-31": 0.3434,
    "2012-12-31": 0.3375,
    "2011-12-31": 0.3554
  },
  "statutory_rate": 0.21,
  "gap_by_year": {
    "2013-12-31": -0.1334,
    "2012-12-31": -0.1275,
    "2011-12-31": -0.1454
  },
  "note": "Low ETR can be fully legitimate; this flags persistence + magnitude for review.",
  "stale": false,
  "latest_filing_period": "2013-12-31",
  "source": {
    "url": "https://www.sec.gov/Archives/edgar/data/1411974/000119312514102326/0001193125-14-102326-index.htm",
    "form": "10-K",
    "filed": "2014-03-17"
  }
}