# RUSHVILLE STATE BANK
RUSHVILLE, MO · FDIC certificate 11006 · asset band <$300M · latest filing 2012-06 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $29.5M | |
| Deposits | $27.1M | |
| Loans and leases | $14.6M | |
| Total equity | $2.3M | |
| Loans / deposits | 53.21% (p22 of band) | 69.17% |
| Liquid assets / assets | 50.10% (p78 of band) | |
| Uninsured deposits / deposits | 5.11% (p30 of band) | 8.28% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 7.80% (p11 of band) | 10.02% |
| Unrealized securities loss / equity | 3.70% (p54 of band) | 3.21% |
| AOCI / equity | -0.21% (p18 of band) | |
| ROA (annualized) | 0.31% (p23 of band) | 0.78% |
| Net interest margin | 2.06% (p3 of band) | 3.76% |
| Efficiency ratio | 86.00% (p76 of band) | |
| Noncurrent loans | 1.91% (p61 of band) | 1.31% |
| Net charge-offs (annualized) | -0.10% (p3 of band) | |
| Reserve coverage of noncurrent | 74.19% | |
| Real estate % of loans | 69% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $509,000 (3.48% of loans; DQ 0.98%, NCO -0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 4.4% | |
| Employees | 7 | |

## Flags firing in the latest filing

- **NIM <2.5%** (`earn_nim`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 4 | NIM <2.5% |  |
| 2011-09 | 3 |  | NIM <2.5% |
| 2011-12 | 3 | NIM <2.5% | losing money |
| 2012-03 | 3 | capital falling | charge-offs p90 |
| 2012-06 | 2 |  | capital falling |

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

- 2021-05-13 [Dan Davis Obituary May 13, 2021 - J. Otto Funeral Homes](https://news.google.com/rss/articles/CBMiZEFVX3lxTE5ETkRGNThyMTFrSjdGdnZMR0JraUhZWE5RZ1lEQ2g3VTlGVDlIb0NMeWdqUUJmbHR6MDc4NHVjREtfVDJCWXZpQ3V2NVRVYVBESUQySEpNazluSEhQWnZWbTBNclA?oc=5) · J. Otto Funeral Homes
- 2024-03-13 [Schuyler County pulls together after Rushville crash kills five - Jacksonville Journal-Courier](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQZmR5dmRSeFlUaVd2WWxxQXQ4aHBFa0ZLWjdneWFHSGs0OFFvN25iSDB2Sjg1T3AzeXNjY0dSYzR1REJlUWxxdnFEc2RNQ28xdTQzTm1FWXdIR1MwenZWamFzU0U5X1lMb0tzSnNGNzlaSnRpd2FueTdXZEk5Q05acGktX2o0cm85VXJlREZLWDZEZDZ2QXk1ZXh3X3lYMWpmU3d3N0czZXpKQQ?oc=5) · Jacksonville Journal-Courier
- 2022-01-15 [Helen "Marie" Billingsley Obituary Jan 15, 2022 - J. Otto Funeral Homes](https://news.google.com/rss/articles/CBMidkFVX3lxTFBsM01sQU9GWXEtTWFmUW43dnd6YW15ajM1dUVvajRxQWFXeWZ0T2lMODBZZGpNTmRZUGRWdTg0cEEtZ1g1LUE1YkFhekh4Z0FiZHI0NUh6Z1VSeUFrMGpxbjNMcDVsOXN1NTVGQmV0LTh0S3ExYVE?oc=5) · J. Otto Funeral Homes
- 2015-08-07 [Russell DOHNER Obituary (1925 - 2015) - Rushville, IL - The State Journal-Register - legacy.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQTkN4S3RyeldMR0FFTTlOd0lzMWhpRUhrZ1FYY1d1SHRRQU05cy03LThCa2FtZmxhQm54ZVZpb2dNV2JodEg1MjVlZ193STZ0MlhLNGR3UnRrQWthVnJOeUdEektwMVA1SlQzVkIzdGFFX1R2M25peFE0Qnl1ZDc3Zzd5aVhLdlgy?oc=5) · legacy.com
- 2009-03-19 [Muriel Skiles Obituary (2009) - Springfield, IL - The State Journal-Register - legacy.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQS2FHbHdHQXFIMDdLWEhVMkdSZERvaUpUTnhsRXIwWE85OENJdGMtRkYteW91Q1RvXzR0cXFtWXEyc1BraUZrNXFRci1iVXdEWGxzTnR0Nkx6Ylczb1FWQ3JnWkVZZmQ4b09QeDZGSm55VXh1NVhZa2hfdWZFRlR3YWVKdmUxaUVm?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11006 (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/62.json (key "11006", 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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