# HEDRICK SAVINGS BANK
OTTUMWA, IA · FDIC certificate 14973 · asset band <$300M · latest filing 2011-09 · 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 | $66.3M | |
| Deposits | $52.4M | |
| Loans and leases | $40.4M | |
| Total equity | $6.6M | |
| Loans / deposits | 74.86% (p57 of band) | 71.39% |
| Liquid assets / assets | 35.78% (p56 of band) | |
| Uninsured deposits / deposits | 6.31% (p39 of band) | 8.02% |
| Brokered deposits | 1.51% | |
| Wholesale funding | 12.07% (p86 of band) | |
| FHLB advances / assets | 10.56% | |
| Tier 1 leverage | 9.62% (p44 of band) | 9.99% |
| Unrealized securities loss / equity | 6.82% (p69 of band) | 3.72% |
| AOCI / equity | 5.73% (p83 of band) | |
| ROA (annualized) | 1.12% (p71 of band) | 0.72% |
| Net interest margin | 4.08% (p63 of band) | 3.86% |
| Efficiency ratio | 76.77% (p59 of band) | |
| Noncurrent loans | 0.70% (p31 of band) | 1.48% |
| Net charge-offs (annualized) | -0.29% (p1 of band) | |
| Reserve coverage of noncurrent | 398.93% | |
| Real estate % of loans | 68% | |
| Construction % of loans | 24.06% (p58 of band) | |
| Auto loans | $1.0M (2.56% of loans; DQ 2.71%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | – | |
| Employees | 24 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |

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

- 2005-12-27 [Whitney Snakenberg Obituary Dec 27, 2005 - Powell Funeral Homes](https://news.google.com/rss/articles/CBMickFVX3lxTFA3ejlkNmNfYWhQUWEtRWczbkg3ZDVIcHo0Nkg2MUF5d3gzRm8wTlJCcURvalV2Q2lsT25NMS05YTNtaVAxUnlETk8waEY1WU83U29pTG9NWnloMEkyNG1EcnFYTUdvb3ljeUpIQ0ZIVGtqdw?oc=5) · Powell Funeral Homes
- 2017-11-28 [Bob Helgerson Obituary (1919 - 2017) - Ottumwa, IA - the Des Moines Register - legacy.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxQMjN6YXpfZDk5R2gyQTVQNWV4R1NfNUcxV0dHa3JSNlRpTXVHRF9XS2VaUVFBMmRQMGRieXJVM3VUanl1dnlkZlFsdTdIMHJ1VzRvVTZlVmwwWDU1cVFZd1ZuOGNzOTdaWFB1bVdpbzZTdzktZmRRUmFwMERLYTBrSHYyWUY2bkFScXE3WHF1UHNHR19zT1pHZ3hn?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14973 (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/61.json (key "14973", 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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