# PEOPLES STB OF COMMERCE
NOLENSVILLE, TN · FDIC certificate 1701 · asset band <$300M · latest filing 2017-06 · 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 | $159.8M | |
| Deposits | $139.5M | |
| Loans and leases | $99.5M | |
| Total equity | $19.5M | |
| Loans / deposits | 70.30% (p41 of band) | 75.51% |
| Liquid assets / assets | 31.89% (p52 of band) | |
| Uninsured deposits / deposits | 15.77% (p55 of band) | 14.70% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.18% (p67 of band) | 10.91% |
| Unrealized securities loss / equity | -0.62% (p21 of band) | 0.10% |
| AOCI / equity | 0.90% (p49 of band) | |
| ROA (annualized) | 0.65% (p34 of band) | 0.87% |
| Net interest margin | 4.08% (p74 of band) | 3.67% |
| Efficiency ratio | 78.53% (p69 of band) | |
| Noncurrent loans | 2.29% (p85 of band) | 0.61% |
| Net charge-offs (annualized) | 0.07% (p75 of band) | |
| Reserve coverage of noncurrent | 63.33% | |
| Real estate % of loans | 70% | |
| Construction % of loans | 74.37% (p89 of band) | |
| Auto loans | $3.5M (3.53% of loans; DQ 0.88%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 3.5% | |
| Employees | 38 | |

## 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 | 3 | losing money, noncurrent p90, reserve under noncurrent |  |
| 2011-09 | 5 | leverage <7%, capital falling |  |
| 2011-12 | 10 | leverage <5%, expense ratio p90, charge-offs p90, loans-to-lenders >50% equity |  |
| 2012-03 | 8 | deposits shrinking, assets shrinking, uninsured deposits leaving | losing money, noncurrent p90, capital falling, expense ratio p90, charge-offs p90 |
| 2012-06 | 9 | losing money, noncurrent p90, charge-offs p90 | loans-to-lenders >50% equity, deposits shrinking |
| 2012-09 | 8 | deposits shrinking | uninsured deposits leaving, charge-offs p90 |
| 2012-12 | 8 | charge-offs p90, uninsured deposits leaving | leverage <5% |
| 2013-03 | 7 |  | losing money |
| 2013-06 | 7 |  |  |
| 2013-09 | 9 | losing money, expense ratio p90 |  |
| 2013-12 | 8 | capital falling, construction >100% equity | assets shrinking, deposits shrinking, uninsured deposits leaving |
| 2014-03 | 5 |  | losing money, expense ratio p90, capital falling |
| 2014-06 | 5 |  |  |
| 2014-09 | 5 |  |  |
| 2014-12 | 5 |  |  |
| 2015-03 | 4 |  | charge-offs p90 |
| 2015-06 | 3 |  | noncurrent p90 |
| 2015-09 | 3 |  |  |
| 2015-12 | 4 | noncurrent p90 |  |
| 2016-03 | 1 |  | leverage <7%, construction >100% equity, noncurrent p90 |
| 2016-06 | 2 | charge-offs p90 |  |
| 2016-09 | 1 |  | charge-offs p90 |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 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=1701 (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/37.json (key "1701", 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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