# COMMUNITY BANK NORTH MS
AMORY, MS · FDIC certificate 11438 · asset band $300M-1B · latest filing 2017-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $578.6M | |
| Deposits | $475.9M | |
| Loans and leases | $366.6M | |
| Total equity | $51.3M | |
| Loans / deposits | 76.21% (p32 of band) | 85.15% |
| Liquid assets / assets | 29.75% (p67 of band) | |
| Uninsured deposits / deposits | 20.78% (p46 of band) | 21.69% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 8.64% (p60 of band) | |
| FHLB advances / assets | 8.64% | |
| Tier 1 leverage | 9.23% (p26 of band) | 10.22% |
| Unrealized securities loss / equity | -3.04% (p13 of band) | -0.60% |
| AOCI / equity | -0.09% (p28 of band) | |
| ROA (annualized) | 0.53% (p20 of band) | 0.90% |
| Net interest margin | 3.48% (p38 of band) | 3.66% |
| Efficiency ratio | 70.49% (p63 of band) | |
| Noncurrent loans | 0.33% (p35 of band) | 0.54% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | 323.30% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 79.82% (p80 of band) | |
| Auto loans | $3.1M (0.84% of loans; DQ 1.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | -0.1% | |
| Employees | 104 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 2 | losing money |  |
| 2011-09 | 1 |  | losing money |
| 2011-12 | 1 |  |  |
| 2012-03 | 0 |  | reserve under noncurrent |
| 2012-06 | 1 | reserve under noncurrent |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 0 |  | reserve under noncurrent |
| 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 | 1 | capital falling |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 0 |  | capital falling |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |

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

- 2015-12-15 [Apple Pay adds 66 more U.S. banks; BJ's Wholesale store credit cards now supported - iMore](https://news.google.com/rss/articles/CBMigAFBVV95cUxPYVRvTldzaFFEODVxNUVmQi0yNmEwUkl5VnJ4QVYza09IVnBOUTluWlZjeC1KU3lJbFNNQUZLdnhJNTBDRnVZMW5naEZNV3NQT2JZYXBKNklqRUpaajl1ZjlVUFRIdG5NSkxLLUhNd2pPV1phOWNrbUdGSnd1SHdDcw?oc=5) · iMore

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11438 (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/46.json (key "11438", 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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