# BANK OF BOLIVAR COUNTY
SHELBY, MS · FDIC certificate 15806 · asset band <$300M · latest filing 2014-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $15.9M | |
| Deposits | $14.3M | |
| Loans and leases | $2.9M | |
| Total equity | $1.6M | |
| Loans / deposits | 19.60% (p3 of band) | 71.36% |
| Liquid assets / assets | 80.45% (p98 of band) | |
| Uninsured deposits / deposits | 16.94% (p67 of band) | 12.72% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p17 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.34% (p63 of band) | 10.52% |
| Unrealized securities loss / equity | -20.57% (p1 of band) | 0.17% |
| AOCI / equity | 19.95% (p99 of band) | |
| ROA (annualized) | 0.13% (p11 of band) | 0.81% |
| Net interest margin | 3.27% (p29 of band) | 3.65% |
| Efficiency ratio | 102.24% (p93 of band) | |
| Noncurrent loans | 0.00% (p6 of band) | 0.86% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 24% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $110,000 (3.84% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -7.4% | |
| Employees | 7 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, expense ratio p90 |  |
| 2011-06 | 1 |  | expense ratio p90 |
| 2011-09 | 1 | capital falling | losing money |
| 2011-12 | 0 |  | capital falling |
| 2012-03 | 2 | losing money, expense ratio p90 |  |
| 2012-06 | 3 | capital falling |  |
| 2012-09 | 2 |  | capital falling |
| 2012-12 | 2 |  |  |
| 2013-03 | 4 | capital falling, NIM <2.5% |  |
| 2013-06 | 4 | AOCI drag >20% of equity | NIM <2.5% |
| 2013-09 | 4 | securities losses >30% of equity, assets shrinking | losing money, capital falling |
| 2013-12 | 6 | deposits shrinking, uninsured deposits leaving |  |
| 2014-03 | 4 |  | AOCI drag >20% of equity, deposits shrinking |
| 2014-06 | 3 | deposits shrinking | expense ratio p90, securities losses >30% of equity |
| 2014-09 | 3 | expense ratio p90 | uninsured deposits leaving |

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

- 2017-01-03 [CEO Bryan Thornhill - Delta Business Journal](https://news.google.com/rss/articles/CBMiY0FVX3lxTFBJTGthVWtNWE1KQTlUVXN0VUdkbGFhR1YzNWlyQ0RMU2piRWJUZHNuRFA4UDlOaUpUQWExWlpOWmRuTkk1UjJwYW5jdV9ES1I5aXBQMWN3R2VnVnhIQ2FQbjRCUQ?oc=5) · Delta Business Journal
- 2013-06-03 [Cleo McKnight Westbrook Obituary Jun 3, 2013 - Cleveland Funeral Home](https://news.google.com/rss/articles/CBMib0FVX3lxTE5YNVVjTFNvNXhGRmZhU24xeldsODRNd0M3X0VWdU9mWmt4b29wbUdOenpBVTNxczQ3aWViLXV0YnJhU2FKTzZTeGdnV09mZk4yeVYwVU9MWXU2X2RZRlRJdVhaZ3U5UHpxNTdSOS1OVQ?oc=5) · Cleveland Funeral Home
- 2017-01-24 [Hiram Burke Obituary (2017) - Greenville, MS - Clarion Ledger - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxPRFhrUVBjeDQzLTEwdk5rMDdnZXFCRmNYTW5MX3daRllyZ3VvVzR0allrOGpyQ21zTEZRbDlSYUxHNUR2U091WE9tN3dxRy16c1hkTS1YSjltelYyNDJjSUc1M0J2MjBSUlJXQW4yYk5uR29jbVhqeWlaS1dxZTlsbUhZcFVZV3h6aWVwald4THRGdw?oc=5) · legacy.com
- 2007-11-06 [Cathead Blues Update - Mississippi Free Press](https://news.google.com/rss/articles/CBMiakFVX3lxTE12SG9LU1lQMzNWbkNvS3o3MXFrWW1kTHRQM1QwZmRSWURqaExZeHVxTTUzUjhsSkVoLUFQUkJwUXQ0MDlBZkFXYzc4dnJ4ZmRtU3RHRW9jOElzUEVGcW1kcnRNVklWaWZDRmc?oc=5) · Mississippi Free Press

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15806 (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/62.json (key "15806", 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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