# LAFAYETTE SAVINGS BANK FSB
LAFAYETTE, IN · FDIC certificate 11990 · asset band $300M-1B · latest filing 2014-09 · 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 | $358.3M | |
| Deposits | $305.3M | |
| Loans and leases | $261.7M | |
| Total equity | $41.1M | |
| Loans / deposits | 83.73% (p58 of band) | 80.43% |
| Liquid assets / assets | 22.01% (p35 of band) | |
| Uninsured deposits / deposits | 16.38% (p42 of band) | 18.44% |
| Brokered deposits | 2.81% | |
| Wholesale funding | 5.60% (p48 of band) | |
| FHLB advances / assets | 2.79% | |
| Tier 1 leverage | 11.43% (p74 of band) | 10.05% |
| Unrealized securities loss / equity | -0.03% (p35 of band) | 0.40% |
| AOCI / equity | 0.70% (p37 of band) | |
| ROA (annualized) | 0.58% (p24 of band) | 0.88% |
| Net interest margin | 3.21% (p23 of band) | 3.62% |
| Efficiency ratio | 75.33% (p69 of band) | |
| Noncurrent loans | 1.65% (p72 of band) | 0.96% |
| Net charge-offs (annualized) | 0.11% (p66 of band) | |
| Reserve coverage of noncurrent | 142.59% | |
| Real estate % of loans | 96% | |
| Construction % of loans | 11.39% (p21 of band) | |
| Auto loans | $628,000 (0.24% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 0.5% | |
| Employees | 90 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | loans exceed deposits, liquid assets <10%, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 3 |  |  |
| 2011-12 | 3 | capital falling | loans exceed deposits |
| 2012-03 | 2 |  | liquid assets <10% |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 2 | uninsured deposits leaving |  |
| 2012-12 | 0 |  | reserve under noncurrent, uninsured deposits leaving |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |

## 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=11990 (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/22.json (key "11990", 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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