# BANK OF PINE HILL
PINE HILL, AL · FDIC certificate 16607 · asset band <$300M · latest filing 2016-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 8 (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 | $20.1M | |
| Deposits | $17.3M | |
| Loans and leases | $4.0M | |
| Total equity | $2.8M | |
| Loans / deposits | 22.41% (p4 of band) | 74.46% |
| Liquid assets / assets | 74.32% (p96 of band) | |
| Uninsured deposits / deposits | 2.30% (p3 of band) | 14.82% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.54% (p79 of band) | 10.76% |
| Unrealized securities loss / equity | -9.65% (p4 of band) | -0.86% |
| AOCI / equity | -5.11% (p12 of band) | |
| ROA (annualized) | -0.73% (p3 of band) | 0.85% |
| Net interest margin | 2.43% (p6 of band) | 3.68% |
| Efficiency ratio | 133.50% (p99 of band) | |
| Noncurrent loans | 5.05% (p97 of band) | 0.62% |
| Net charge-offs (annualized) | -0.01% (p15 of band) | |
| Reserve coverage of noncurrent | 42.50% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $2,000 (0.05% of loans; DQ 100.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -18.1% | |
| Employees | 9 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 3 | expense ratio p90, noncurrent p90, reserve under noncurrent |  |
| 2012-03 | 3 | uninsured deposits leaving | expense ratio p90 |
| 2012-06 | 2 |  | uninsured deposits leaving |
| 2012-09 | 4 | expense ratio p90, uninsured deposits leaving |  |
| 2012-12 | 3 |  | uninsured deposits leaving |
| 2013-03 | 6 | losing money, assets shrinking, uninsured deposits leaving |  |
| 2013-06 | 6 | deposits shrinking | losing money |
| 2013-09 | 2 |  | noncurrent p90, assets shrinking, uninsured deposits leaving, deposits shrinking |
| 2013-12 | 3 | uninsured deposits leaving |  |
| 2014-03 | 4 | capital falling, losing money | uninsured deposits leaving |
| 2014-06 | 3 |  | losing money |
| 2014-09 | 3 | noncurrent p90 | capital falling |
| 2014-12 | 3 | losing money, charge-offs p90 | reserve under noncurrent, noncurrent p90 |
| 2015-03 | 4 | NIM <2.5%, reserve under noncurrent | charge-offs p90 |
| 2015-06 | 4 |  |  |
| 2015-09 | 5 | deposits shrinking, assets shrinking | reserve under noncurrent |
| 2015-12 | 6 | capital falling, reserve under noncurrent | assets shrinking |
| 2016-03 | 3 |  | deposits shrinking, capital falling, reserve under noncurrent |
| 2016-06 | 3 |  |  |
| 2016-09 | 6 | capital falling, noncurrent p90, reserve under noncurrent |  |
| 2016-12 | 8 | deposits shrinking, assets shrinking, uninsured deposits leaving | capital falling |

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

- 2019-04-10 [Why Are More Credit Unions Buying Community Banks? - Federal Reserve Bank of St. Louis](https://news.google.com/rss/articles/CBMitAFBVV95cUxNRlpyMXZpaXB0eEZDVmRQaGVVOC1UWDhjdVJrYW15YXQ1ajFYcXFUVEQ2M1dnbmpLM0dDRGRuaWc5Nm1IMk1hSldPWE9FTHQtM2lsWG1tdGpKZzdDN042VXdPODZCZHo4VGNKYlFFYXZEMFJfYVpaUi1kQlRBeDRKSFJMa3J3R2JTajFwaEZtRmJ0Smp4VHI5VnNfUWFEMUgzUjE1ZEhfM0JFLUtnR3pRUHRLTEY?oc=5) · Federal Reserve Bank of St. Louis

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16607 (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/31.json (key "16607", 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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