# STATE BANK OF BURNETTSVILLE
BURNETTSVILLE, IN · FDIC certificate 14061 · asset band <$300M · latest filing 2020-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 2 (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 | $45.2M | |
| Deposits | $40.5M | |
| Loans and leases | $21.3M | |
| Total equity | $4.4M | |
| Loans / deposits | 51.79% (p19 of band) | 73.75% |
| Liquid assets / assets | 51.21% (p81 of band) | |
| Uninsured deposits / deposits | 26.40% (p81 of band) | 17.11% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p20 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.26% (p22 of band) | 10.95% |
| Unrealized securities loss / equity | 3.93% (p63 of band) | 2.60% |
| AOCI / equity | 4.09% (p83 of band) | |
| ROA (annualized) | -0.91% (p3 of band) | 0.97% |
| Net interest margin | 3.15% (p26 of band) | 3.63% |
| Efficiency ratio | 132.28% (p98 of band) | |
| Noncurrent loans | 0.00% (p8 of band) | 0.52% |
| Net charge-offs (annualized) | -0.07% (p4 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 76% | |
| Construction % of loans | 12.49% (p48 of band) | |
| Auto loans | $1.6M (7.35% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 22.7% | |
| Employees | 12 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)

## 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 | 1 | capital falling |  |
| 2012-06 | 1 | reserve under noncurrent | capital falling |
| 2012-09 | 2 | noncurrent p90 |  |
| 2012-12 | 2 | capital falling | noncurrent p90 |
| 2013-03 | 1 | uninsured deposits leaving | reserve under noncurrent, capital falling |
| 2013-06 | 0 |  | uninsured deposits leaving |
| 2013-09 | 1 | reserve under noncurrent |  |
| 2013-12 | 0 |  | reserve under noncurrent |
| 2014-03 | 2 | capital falling, reserve under noncurrent |  |
| 2014-06 | 4 | losing money, expense ratio p90 |  |
| 2014-09 | 3 |  | expense ratio p90 |
| 2014-12 | 1 |  | capital falling, losing money |
| 2015-03 | 1 |  |  |
| 2015-06 | 4 | losing money, expense ratio p90, noncurrent p90 |  |
| 2015-09 | 8 | charge-offs p90, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2015-12 | 7 |  | charge-offs p90 |
| 2016-03 | 6 |  | losing money |
| 2016-06 | 6 |  |  |
| 2016-09 | 6 | capital falling, losing money, charge-offs p90 | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2016-12 | 6 |  |  |
| 2017-03 | 4 |  | capital falling, charge-offs p90 |
| 2017-06 | 4 |  |  |
| 2017-09 | 4 |  |  |
| 2017-12 | 4 |  |  |
| 2018-03 | 6 | deposits shrinking, assets shrinking, uninsured deposits leaving | losing money |
| 2018-06 | 7 | losing money |  |
| 2018-09 | 5 |  | noncurrent p90, losing money |
| 2018-12 | 5 |  |  |
| 2019-03 | 3 | losing money | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2019-06 | 2 |  | reserve under noncurrent |
| 2019-09 | 3 | capital falling |  |
| 2019-12 | 1 | charge-offs p90 | expense ratio p90, losing money, capital falling |
| 2020-03 | 2 | losing money, expense ratio p90 | charge-offs p90 |
| 2020-06 | 2 |  |  |

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

- 2009-04-01 [Bank robbery suspect in jail - Newsbug.info](https://news.google.com/rss/articles/CBMizwFBVV95cUxQd2tqVmoyUGNqLUFCRFBtME83V3RWdDZMVW5NOWplNGNfUF9fV0pXLUMtZHp6ajNsdk0zRHhTeV9MbFBwTzVEQzZaTjZ1bTRraTNTSVFBR1ZKN0pGZ29kRXB4UG0xSk5ORU5uVUtSYjlQemNUOHBaT2dSTWFvMDdFVUFUeEhNTEJ6eF9yQjNJM2g4S1lEOFdPUUl4Y2lvZi1PU0RFX2VLNU1xUWVBYjNKd2lxejE5WkRsSUpOZHJyWnFOSW1VdGFmcUZ1SzZjaTA?oc=5) · Newsbug.info
- 2024-07-19 [Wanda Lytle Obituary (1943 - 2024) - Monticello, IN - The Monticello Herald Journal - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxQU0lIS0w4Y2h5eWRVU1ZfRmtEMllhMTlzcmV1WHRNbFpQYmJVS2pKTGdSQ0tHNHhRVE84NlBRZ3FTVTdkcXplX29IRGdVVG5rZEdSTWdWVUM3NDQxS2tqcnlmWm10cEhHNWh0dmZuQm5ZRDBBVFFuRC10ZjVNZVpFYzhIRzZ1OXM1R0haSkJB?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14061 (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/45.json (key "14061", 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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