# BANK OF PRESCOTT
PRESCOTT, AR · FDIC certificate 101 · asset band <$300M · latest filing 2019-09 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $68.2M | |
| Deposits | $57.1M | |
| Loans and leases | $37.0M | |
| Total equity | $10.2M | |
| Loans / deposits | 64.08% (p28 of band) | 77.79% |
| Liquid assets / assets | 41.19% (p72 of band) | |
| Uninsured deposits / deposits | 7.23% (p14 of band) | 15.94% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p21 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 15.42% (p82 of band) | 11.56% |
| Unrealized securities loss / equity | 0.29% (p35 of band) | 0.80% |
| AOCI / equity | 1.00% (p33 of band) | |
| ROA (annualized) | 0.68% (p27 of band) | 1.05% |
| Net interest margin | 3.70% (p42 of band) | 3.84% |
| Efficiency ratio | 82.28% (p81 of band) | |
| Noncurrent loans | 1.08% (p68 of band) | 0.56% |
| Net charge-offs (annualized) | 0.26% (p92 of band) | |
| Reserve coverage of noncurrent | 117.50% | |
| Real estate % of loans | 61% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $1.6M (4.37% of loans; DQ 3.28%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -2.8% | |
| Employees | 17 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)
- **assets shrinking** (`shrink_assets`)

## 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 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 0 |  | reserve under noncurrent |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 3 | charge-offs p90, assets shrinking, uninsured deposits leaving | noncurrent p90, reserve under noncurrent |
| 2017-12 | 6 | noncurrent p90, reserve under noncurrent, deposits shrinking |  |
| 2018-03 | 6 | losing money | noncurrent p90 |
| 2018-06 | 6 |  |  |
| 2018-09 | 5 |  | uninsured deposits leaving |
| 2018-12 | 2 |  | assets shrinking, reserve under noncurrent, deposits shrinking |
| 2019-03 | 1 | deposits shrinking | charge-offs p90, losing money |
| 2019-06 | 1 | charge-offs p90 | deposits shrinking |
| 2019-09 | 2 | assets shrinking |  |

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

- 2019-10-21 [Number of Smallest of the Small Banks Continues to Dwindle in Arkansas - Arkansas Business](https://news.google.com/rss/articles/CBMisgFBVV95cUxPcGJtWlA4ZWhBMlhZR3p1a1Q4SnRDVi12N0o5S25DWmRKa3Q5anJzSHd4bmV2TzJkVnZlYmk0bWNiRmE2T2JIb0xnSjZmMHl5UVdhWk96UFJMUGZFM3FfbjZiY29LVlpLcXJRNWMwTk1xNWtLazhFYWNBaUlIWktmbG1Ta19QSXd6UHE1RWZEeEpDbENNdW1SS3BTMzVCZWFGanRUR09hbFpmdm9sU0FoV21n?oc=5) · Arkansas Business
- 2012-02-22 [Robert Leon Godwin - The Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMihgFBVV95cUxQSGI1bUFlaXZBYV84UElXQjlaMzhGLUo1VTRKb3ZJRmxPSXN3RVdDUWc3RTdsakZIaHNjWnpRTTJNbmtXc0MwQkR5X29USy01aXpsYWw1NjVneU96X3M1eFdYLXJzNkhiYUMzSFdtemh6WEtXYVBfMVlVNE56Qjc4U09pSXJSZw?oc=5) · The Arkansas Democrat-Gazette
- 2018-04-19 [Potential agency buyer shocked as Insurance Commissioner suspends license - Insurance Business](https://news.google.com/rss/articles/CBMi2wFBVV95cUxNOXVLUGRVcUpIOEdGU2xoOXI3eEdRd1FnY2c3bVBBOE1PMVoyT2p6MVROMGV0eWc3dTY3RTBqeExxUDk1Um53MjJSdGFjWFhBMU84U0R0NUVKLXVhNlptclFTRHRINHdmd2ZBVHdjMFVMZVdNOFhnS1FKX1FiRDRjOGk4V3ljUzFGNzkzalFpQ3hkWjM1QjcxZVdmdXRsX1dKcm9ROFdfcTJOc09SU1FKMktmakFCX1dFNUwxNHlfN1JOZHM1SHVlczlXTmxNWE5iVU1zMUNHZUF0ZE0?oc=5) · Insurance Business
- 2018-10-22 [Small Banks Find Niche in Arkansas While Facing Unique Challenges - Arkansas Business](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPWTl0TUhfSnZfbTlqWnRiclMyeHRDZE1JejBMSjFaM0Rnd1RFZURkRXZlZ1U4OEJRNl94YVZocjJwRjZhWXlNQlFrZzdCQWZtbWNDOXhsTEY5RmVhcDJpLU5EbGJTWHdWb25mQ2lUOXNiektwMFE1blpoQjJaczBrd0ZWNU1CWWR1RlVXSEkwVy1JRGNDSDZ1NHhWZkNCdXB1dmc5SF9jT2ZESm8?oc=5) · Arkansas Business
- 2014-07-04 [Gloria Arrington Obituary - Haughton, LA - Dignity Memorial](https://news.google.com/rss/articles/CBMihgFBVV95cUxOblFjeHM1U3VxQWRWMXZMdUVNLWRVU2RLdWVRSnV6TVhkN0p5TlVNS1NZb3UwbzFPazRDT0ttVmFCOHB4TUtPeXdGN2U1T2lzSzRsT29vTmNKdFExZEQtdTlsa2FDcEZZZGthdUpMb3FPekdxcU53LVhEaUttQTBnbE85X1hKUQ?oc=5) · Dignity Memorial
- 2014-05-02 [Fort Smith Youth Portrays Former Arkansas Governor In Civil War Re-enactments - Southwest Times Record](https://news.google.com/rss/articles/CBMinAFBVV95cUxNQU4tTFZNeFlmNWJzbjEyUXZleDhRaTRzQmNjYlU4Q2ptRE1ka1Z2Z0NoV2RUcWpUaEJGX3RCNnUxeTB3Y3MwaERQakR1c3g0bTMza2N4UWRJRWx5cXVCdHBYVTJiM0Fzd0hMako5SlhZa1Q0SHZzZDM2VTBoOGs0WXFQeDR6b2RHakZBT2NCVi1LdDlsUzIwVmV2a2k?oc=5) · Southwest Times Record
- 2024-04-15 [Meet-and-greet today for "Sweet Home Alabama" contestant Shaun Smith - Magnolia Reporter](https://news.google.com/rss/articles/CBMitAFBVV95cUxPYkJpNDZfWm5ILW11Q2xicHBoV2FUeTRCRkgzdTYtZGdmY0FvYTZSYWtvcTQtajUxOWUxOFNqaTE5SUstZm1SMHg2emNLREo2NnNPMGZFYVNwZW1XTjFIMlFtajROVjVxNzBvYWxiNi1KUUtHWi1OTGduYWFoTGM0WUhrLWhGX1UtRWsteUoyUEx2S25mX0p6N0pDVUlIYzlBalVlMks5clg5UUtBd2xHbTJia2g?oc=5) · Magnolia Reporter
- 2019-11-01 [Berry Bishop Sentenced to 60 Months for Bank Fraud - Arkansas Business](https://news.google.com/rss/articles/CBMilwFBVV95cUxOYm5ZZUtYaklGLUZ1bW9VX3U4ZXYzSnVvLUpfTVdfYU9RZ0hvbk05NkRTR1hIR0lBbHFRb3BLSHVrS3NxcHlvNXpnamptLVhfdGtXSlFvLTJlQU9ZZXd3TkFKcmlDRUhqenFnX0JxcUtieUF5MEg0SC1YX3oxWWtrNV9zV0RaSXZhdzZJaHl6MFk1Z3lDTGdr?oc=5) · Arkansas Business

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=101 (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/37.json (key "101", 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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