# CARTER CNTY BK ELIZABETHTON
ELIZABETHTON, TN · FDIC certificate 15685 · asset band <$300M · latest filing 2012-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $265.8M | |
| Deposits | $208.2M | |
| Loans and leases | $160.7M | |
| Total equity | $25.9M | |
| Loans / deposits | 76.07% (p66 of band) | 68.02% |
| Liquid assets / assets | 33.68% (p45 of band) | |
| Uninsured deposits / deposits | 8.69% (p49 of band) | 8.86% |
| Brokered deposits | 0.51% | |
| Wholesale funding | 11.49% (p89 of band) | |
| FHLB advances / assets | 8.65% | |
| Tier 1 leverage | 9.45% (p39 of band) | 10.05% |
| Unrealized securities loss / equity | 5.05% (p65 of band) | 3.01% |
| AOCI / equity | 0.91% (p80 of band) | |
| ROA (annualized) | 0.33% (p24 of band) | 0.76% |
| Net interest margin | 3.59% (p41 of band) | 3.75% |
| Efficiency ratio | 89.17% (p80 of band) | |
| Noncurrent loans | 1.91% (p63 of band) | 1.21% |
| Net charge-offs (annualized) | 0.61% (p86 of band) | |
| Reserve coverage of noncurrent | 73.64% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 55.96% (p84 of band) | |
| Auto loans | $2.9M (1.79% of loans; DQ 1.57%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -0.0% | |
| Employees | 62 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 1 |  | construction >100% equity |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 1 | reserve under noncurrent |  |
| 2012-03 | 0 |  | reserve under noncurrent |
| 2012-06 | 1 | reserve under noncurrent |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |

## 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=15685 (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/5.json (key "15685", 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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