# HARRISON DEPOSIT B&T CO
CYNTHIANA, KY · FDIC certificate 11361 · asset band <$300M · latest filing 2012-12 · 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 | $51.6M | |
| Deposits | $43.7M | |
| Loans and leases | $22.9M | |
| Total equity | $5.5M | |
| Loans / deposits | 52.02% (p22 of band) | 68.02% |
| Liquid assets / assets | 53.94% (p82 of band) | |
| Uninsured deposits / deposits | 4.78% (p25 of band) | 8.86% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 4.57% (p66 of band) | |
| FHLB advances / assets | 3.88% | |
| Tier 1 leverage | 10.22% (p53 of band) | 10.05% |
| Unrealized securities loss / equity | 1.88% (p39 of band) | 3.01% |
| AOCI / equity | 0.35% (p67 of band) | |
| ROA (annualized) | 0.83% (p54 of band) | 0.76% |
| Net interest margin | 2.67% (p8 of band) | 3.75% |
| Efficiency ratio | 75.57% (p54 of band) | |
| Noncurrent loans | 0.05% (p14 of band) | 1.21% |
| Net charge-offs (annualized) | 0.03% (p32 of band) | |
| Reserve coverage of noncurrent | 1200.00% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 7.03% (p34 of band) | |
| Auto loans | $347,000 (1.52% of loans; DQ 3.46%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 1.9% | |
| Employees | 12 | |

## Flags firing in the latest filing

- **uninsured deposits leaving** (`flight_uninsured`)

## 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 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | uninsured deposits leaving |  |

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

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11361 (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/33.json (key "11361", 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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