# NEHAWKA BANK
NEHAWKA, NE · FDIC certificate 11483 · asset band <$300M · latest filing 2018-09 · stopped filing (departed)

**Verdict on the desk:** this could be *fortress*. 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 | $14.5M | |
| Deposits | $12.4M | |
| Loans and leases | $11.6M | |
| Total equity | $2.0M | |
| Loans / deposits | 93.23% (p79 of band) | 78.40% |
| Liquid assets / assets | 14.89% (p16 of band) | |
| Uninsured deposits / deposits | 4.52% (p7 of band) | 15.34% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.86% (p43 of band) | 11.34% |
| Unrealized securities loss / equity | -0.05% (p89 of band) | -3.15% |
| AOCI / equity | 0.00% (p92 of band) | |
| ROA (annualized) | 1.07% (p53 of band) | 1.02% |
| Net interest margin | 3.23% (p19 of band) | 3.82% |
| Efficiency ratio | 48.12% (p6 of band) | |
| Noncurrent loans | 0.48% (p46 of band) | 0.57% |
| Net charge-offs (annualized) | 0.00% (p36 of band) | |
| Reserve coverage of noncurrent | 25.00% | |
| Real estate % of loans | 72% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $208,000 (1.80% of loans; DQ 3.37%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -0.8% | |
| Employees | 3 | |

## 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 | losing money, expense ratio p90 |  |
| 2012-06 | 2 | uninsured deposits leaving | expense ratio p90 |
| 2012-09 | 2 | expense ratio p90 | uninsured deposits leaving |
| 2012-12 | 3 | capital falling |  |
| 2013-03 | 0 |  | losing money, expense ratio p90, capital falling |
| 2013-06 | 1 | reserve under noncurrent |  |
| 2013-09 | 6 | loans exceed deposits, liquid assets <10%, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2013-12 | 6 |  |  |
| 2014-03 | 3 |  | loans exceed deposits, liquid assets <10%, uninsured deposits leaving |
| 2014-06 | 3 |  |  |
| 2014-09 | 5 | loans exceed deposits, expense ratio p90 |  |
| 2014-12 | 5 |  |  |
| 2015-03 | 0 |  | reserve under noncurrent, deposits shrinking, assets shrinking, loans exceed deposits, expense ratio p90 |
| 2015-06 | 1 | uninsured deposits leaving |  |
| 2015-09 | 2 | loans exceed deposits |  |
| 2015-12 | 1 |  | uninsured deposits leaving |
| 2016-03 | 3 | deposits shrinking, assets shrinking |  |
| 2016-06 | 4 | liquid assets <10%, uninsured deposits leaving | assets shrinking |
| 2016-09 | 6 | expense ratio p90, reserve under noncurrent |  |
| 2016-12 | 4 |  | deposits shrinking, liquid assets <10% |
| 2017-03 | 2 | noncurrent p90 | loans exceed deposits, uninsured deposits leaving, expense ratio p90 |
| 2017-06 | 2 | expense ratio p90 | noncurrent p90 |
| 2017-09 | 2 | loans exceed deposits | reserve under noncurrent |
| 2017-12 | 3 | deposits shrinking, assets shrinking | loans exceed deposits |
| 2018-03 | 2 | NIM <2.5%, reserve under noncurrent | expense ratio p90, deposits shrinking, assets shrinking |
| 2018-06 | 1 |  | NIM <2.5% |
| 2018-09 | 1 |  |  |

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

- 2009-01-15 [Bernard Wallman Obituary (2009) - Beatrice, NE - Beatrice Daily Sun - legacy.com](https://news.google.com/rss/articles/CBMingFBVV95cUxOcGhRcGIxcmp0TldDaEVuc2w1Y2FGV3B0R0tsakFxZGg2djJwOVpmQXhkTHhfT1B4VmV3TUZYSVF0RktRSjUtMFhpbjlQY3hXZVRVOEFKREFqU3FnMHpDS0xwd0R3LXFfaTBPWURYTmMzenBBUVZJaG9pVFRKQ3lNVzlRWnhtclBSUXZOSUh5VlZ2Yk5iM3NxUzNMbUxYZw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11483 (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/27.json (key "11483", 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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