# ACKLEY STATE BANK
ACKLEY, IA · FDIC certificate 14936 · asset band <$300M · latest filing 2015-12 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $147.4M | |
| Deposits | $108.1M | |
| Loans and leases | $101.8M | |
| Total equity | $19.1M | |
| Loans / deposits | 92.89% (p84 of band) | 73.15% |
| Liquid assets / assets | 23.70% (p30 of band) | |
| Uninsured deposits / deposits | 20.90% (p76 of band) | 14.12% |
| Brokered deposits | 2.42% | |
| Wholesale funding | 14.92% (p91 of band) | |
| FHLB advances / assets | 6.89% | |
| Tier 1 leverage | 11.15% (p58 of band) | 10.64% |
| Unrealized securities loss / equity | 2.94% (p83 of band) | 0.27% |
| AOCI / equity | -0.21% (p39 of band) | |
| ROA (annualized) | 1.41% (p82 of band) | 0.82% |
| Net interest margin | 3.68% (p53 of band) | 3.64% |
| Efficiency ratio | 65.57% (p31 of band) | |
| Noncurrent loans | 0.01% (p16 of band) | 0.67% |
| Net charge-offs (annualized) | -0.18% (p2 of band) | |
| Reserve coverage of noncurrent | 22800.00% | |
| Real estate % of loans | 57% | |
| Construction % of loans | 21.67% (p58 of band) | |
| Auto loans | $1.7M (1.69% of loans; DQ 0.23%, NCO 0.01%) | |
| Loans to nondepository financials | $1.0M (5% of equity) (p98 of band) | |
| Deposits YoY | -9.7% | |
| Employees | 36 | |

## Flags firing in the latest filing

- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 1 |  | reserve under noncurrent |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 2 | capital falling |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 1 |  | capital falling |
| 2013-03 | 0 |  | wholesale funding >15% |
| 2013-06 | 2 | deposits shrinking, assets shrinking |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 1 | capital falling | deposits shrinking, assets shrinking |
| 2014-03 | 0 |  | capital falling |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | deposits shrinking |  |
| 2015-09 | 3 | wholesale funding >15%, uninsured deposits leaving |  |
| 2015-12 | 1 |  | wholesale funding >15%, uninsured deposits leaving |

## 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=14936 (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/24.json (key "14936", 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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