# CLINTON STATE BANK
CLINTON, MN · FDIC certificate 1099 · asset band <$300M · latest filing 2013-09 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (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 | $67.8M | |
| Deposits | $57.5M | |
| Loans and leases | $36.4M | |
| Total equity | $7.7M | |
| Loans / deposits | 63.35% (p39 of band) | 69.26% |
| Liquid assets / assets | 41.46% (p63 of band) | |
| Uninsured deposits / deposits | 17.64% (p73 of band) | 11.87% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.69% (p61 of band) | |
| FHLB advances / assets | 3.68% | |
| Tier 1 leverage | 10.09% (p46 of band) | 10.33% |
| Unrealized securities loss / equity | -7.72% (p13 of band) | -0.53% |
| AOCI / equity | -8.06% (p23 of band) | |
| ROA (annualized) | 1.42% (p83 of band) | 0.77% |
| Net interest margin | 2.99% (p19 of band) | 3.62% |
| Efficiency ratio | 52.40% (p8 of band) | |
| Noncurrent loans | 3.88% (p86 of band) | 1.08% |
| Net charge-offs (annualized) | 0.00% (p25 of band) | |
| Reserve coverage of noncurrent | 0.00% | |
| Real estate % of loans | 42% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $884,000 (2.43% of loans; DQ 3.85%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -4.5% | |
| Employees | 8 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 2 | capital falling, reserve under noncurrent |  |
| 2012-06 | 1 | uninsured deposits leaving | capital falling, reserve under noncurrent |
| 2012-09 | 0 |  | uninsured deposits leaving |
| 2012-12 | 3 | capital falling, NIM <2.5%, reserve under noncurrent |  |
| 2013-03 | 2 |  | NIM <2.5% |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 1 |  |  |

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

- 2015-08-06 [Sevrin Steen Obituary Aug 6, 2015 - Mundwiler & Larson Funeral Homes](https://news.google.com/rss/articles/CBMibEFVX3lxTE0yZHhfbm1fMUFoWEhUY1Q2eWl5QVYzMkVZQnNubjFkZGFIZWlORkpwM3ZYTml6SEstWkltQzFIOXRpQU0yWEw1aDJQXzlYR2s2WGdZLVVvX0RIV2FzOFJwbGRnNWhSckFyQU5lbQ?oc=5) · Mundwiler &amp; Larson Funeral Homes
- 2025-12-13 [James "Jim" M. Harrison Obituary Oct 30, 2020 - Kinkade Funeral Chapel](https://news.google.com/rss/articles/CBMia0FVX3lxTE5XVzhLSFRkcVgtb1lzRFJ1dC1hY2FSYzJnb0xrRWFINm1MbDZVaGVwSHVuWmhzX0t1bXJoRlB6QzhrcU4wUU9TeEg5RDFraks4UVpWOEJtR2xxbmVZUTFLNGVhWDVpdmZDc0RF?oc=5) · Kinkade Funeral Chapel
- 2017-05-23 [Conrad Severson - Pipestone County Star](https://news.google.com/rss/articles/CBMiZkFVX3lxTE9BYVZnNE1teUVoMjFEVUd1OG1CdFNfMkY4dWc2VmNVN1c0ZGpQYlYyek14SEMwcFVqUUNXZ1BKOHl3UlRXdWdGcjM1MnJBMEVTTTZ5REVpd25JZGtZSjRtVFFMU3h3UQ?oc=5) · Pipestone County Star
- 2012-03-09 [New Commonwealth Bank president John Key has refined his skills as a community banker - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQY0d0bXl3Um5WV2E3bkhjQlRqTGtxOGVISUw4d2ZTS0wzRWxHWEl5aG15dF84NlExSkxvc0Y4MFpWbWl3ZjMtUWItZDZKdDFiMDhqUUFhMVRQVFJVVTNBTG1tLWFVRGNKSUw3bkxrWlJmci1VWUprOGZwelp0V0NfVVlmTUxsVWZjOTYwMjhGR1VwVXFyX2djVHEzY3NtUk9VSU5valBGcUI?oc=5) · The Business Journals
- 2015-07-11 [Little Clinton backs up its only grocery store, Bonnies Hometown Market - startribune.com](https://news.google.com/rss/articles/CBMirAFBVV95cUxQMkdIRVdKRlcwX3Mza2x0ZEFQMXJWM1JPVThjTW9LQ25DYUQzNVBSNUZkY2xWUTZ2cEpzbENwYkxiR3JmcE81SW8xOFVzOWVXQzRFc0RIVVpvX0RSZG5yWF9qdGhJdWQ2ZldpUTFsSjExd0pKbU95NUlMMy1ocVNwMTQ5UzVjSWRRcko1SUZXMGN2RXlLSHl6UGN1S2FLTXNIT3JGOGNQOUhZWjlP?oc=5) · startribune.com
- 2023-03-14 [Virgilia "Jill" Hoxtell Obituary Mar 14, 2023 - Mundwiler & Larson Funeral Homes](https://news.google.com/rss/articles/CBMieEFVX3lxTFBCRkJwY2Q3UWJER19JYTZQQkRxNmJVNkozb2dCckxVNEdORXlQSFFVXzdQbTZmcXhxMDdqNkVFbTRWVWVJLXJSZEhSNUNLYldZbDRiNVM2X2tPTHJtNmVGTGgydHBlVE5BMjNIZ1lUYjJkUXVEb1VHbw?oc=5) · Mundwiler &amp; Larson Funeral Homes
- 2012-09-02 [Patricia Steen Obituary Sep 2, 2012 - Mundwiler & Larson Funeral Homes](https://news.google.com/rss/articles/CBMib0FVX3lxTFBQOUlLTUk4eHBEcTZ6RXVCTDNyeVJscW0xbjRQcWJvbXJjYm9FVWgxNk9WOWxnSG9ZbmtlbTRncHZPd0RMNWFaNU9RUFNpRHl6aGg2SEgxMVlqMVFoakkzRUJTdlRTc0xYNk0wWFBCSQ?oc=5) · Mundwiler &amp; Larson Funeral Homes

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1099 (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/11.json (key "1099", 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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