# LITTLE RIVER BANK
LEPANTO, AR · FDIC certificate 1298 · asset band <$300M · latest filing 2016-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 7 (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 | $31.5M | |
| Deposits | $27.0M | |
| Loans and leases | $13.9M | |
| Total equity | $4.4M | |
| Loans / deposits | 50.21% (p16 of band) | 75.30% |
| Liquid assets / assets | 55.60% (p86 of band) | |
| Uninsured deposits / deposits | 15.38% (p55 of band) | 14.23% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.61% (p79 of band) | 10.87% |
| Unrealized securities loss / equity | 1.08% (p41 of band) | 1.65% |
| AOCI / equity | 6.07% (p98 of band) | |
| ROA (annualized) | -0.64% (p2 of band) | 0.88% |
| Net interest margin | 3.07% (p20 of band) | 3.67% |
| Efficiency ratio | 116.33% (p98 of band) | |
| Noncurrent loans | 16.76% (p100 of band) | 0.69% |
| Net charge-offs (annualized) | 0.09% (p76 of band) | |
| Reserve coverage of noncurrent | 14.27% | |
| Real estate % of loans | 47% | |
| Construction % of loans | 2.35% (p21 of band) | |
| Auto loans | $294,000 (2.12% of loans; DQ 1.02%, NCO -0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -10.6% | |
| Employees | 9 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 2 | losing money |  |
| 2012-03 | 2 | capital falling | losing money |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | noncurrent p90 |  |
| 2013-03 | 5 | capital falling, losing money, charge-offs p90 |  |
| 2013-06 | 4 | expense ratio p90 | capital falling, charge-offs p90 |
| 2013-09 | 4 | AOCI drag >20% of equity | expense ratio p90 |
| 2013-12 | 5 | expense ratio p90 |  |
| 2014-03 | 5 | capital falling | AOCI drag >20% of equity |
| 2014-06 | 3 |  | noncurrent p90, capital falling |
| 2014-09 | 5 | deposits shrinking, assets shrinking |  |
| 2014-12 | 6 | noncurrent p90 |  |
| 2015-03 | 9 | capital falling, charge-offs p90, uninsured deposits leaving |  |
| 2015-06 | 6 |  | losing money, capital falling, uninsured deposits leaving |
| 2015-09 | 5 | losing money | deposits shrinking, assets shrinking |
| 2015-12 | 5 |  |  |
| 2016-03 | 5 | deposits shrinking | charge-offs p90 |
| 2016-06 | 5 |  |  |
| 2016-09 | 7 | assets shrinking, uninsured deposits leaving |  |

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

- 2023-01-17 [Joyce Glover Obituary (1934 - 2023) - Searcy, AR - Jonesboro Sun - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxOV09Ob01oZHUtaHc5UE9kNnFLOGRueGRlNzZwNGJsRHIta2x3aUotVU5OQjItMVAyVnFEeGJUTnhkVmppd3N2OVI3ZkFtV0E1cThnRkpNZHFPNE8xc0RKSkJ2a2JNd1JWYUY2TmFJWkxGTkIzN1NKNnNzUlROenI3TzRRRkxENWtYX2dwaTJhbjh5Zw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1298 (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/18.json (key "1298", 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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