# MARKLEBANK
MARKLE, IN · FDIC certificate 16650 · asset band $300M-1B · latest filing 2012-09 · 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 | $354.0M | |
| Deposits | $273.6M | |
| Loans and leases | $246.4M | |
| Total equity | $46.8M | |
| Loans / deposits | 88.87% (p77 of band) | 75.94% |
| Liquid assets / assets | 21.76% (p28 of band) | |
| Uninsured deposits / deposits | 17.04% (p70 of band) | 12.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 8.25% (p61 of band) | |
| FHLB advances / assets | 7.06% | |
| Tier 1 leverage | 9.08% (p33 of band) | 9.72% |
| Unrealized securities loss / equity | 5.78% (p60 of band) | 4.38% |
| AOCI / equity | 0.05% (p27 of band) | |
| ROA (annualized) | 0.99% (p61 of band) | 0.85% |
| Net interest margin | 3.81% (p58 of band) | 3.69% |
| Efficiency ratio | 61.92% (p32 of band) | |
| Noncurrent loans | 1.45% (p42 of band) | 1.75% |
| Net charge-offs (annualized) | 0.12% (p41 of band) | |
| Reserve coverage of noncurrent | 89.81% | |
| Real estate % of loans | 73% | |
| Construction % of loans | 9.79% (p18 of band) | |
| Auto loans | $2.1M (0.84% of loans; DQ 2.65%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 0.1% | |
| Employees | 81 | |

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |

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

- 2015-06-12 [1st Source celebrates 150 years of banking - Fort Wayne Business Weekly](https://news.google.com/rss/articles/CBMiswFBVV95cUxObGNSajFFZllvT09BRDdKeDBNT2FrSGdGUUg1R2FEeGdIdGFyc3RNVTF4ZHZlM3dYVHBpOHpXcko2LThsMnk4anFvU1c2b1dURUlpSl9jTFNsbkhLUGdwbWltUEV4aUdJMkYwYU1XY0VPdDl6QlVncW96UDUzM0Y1b2tZNm1zd2RoUk41TUpPbng2TFdIMDFsbklxR2dpQjhKMkt0VXBlV2lsQm5vMTlVNTRmOA?oc=5) · Fort Wayne Business Weekly

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16650 (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/10.json (key "16650", 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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