# TITONKA SAVINGS BANK
TITONKA, IA · FDIC certificate 17302 · asset band <$300M · latest filing 2021-06 · 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 | $196.8M | |
| Deposits | $171.5M | |
| Loans and leases | $90.3M | |
| Total equity | $19.5M | |
| Loans / deposits | 52.67% (p30 of band) | 64.15% |
| Liquid assets / assets | 47.25% (p63 of band) | |
| Uninsured deposits / deposits | 14.95% (p35 of band) | 18.57% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.68% (p67 of band) | |
| FHLB advances / assets | 2.68% | |
| Tier 1 leverage | 7.43% (p4 of band) | 10.40% |
| Unrealized securities loss / equity | -2.16% (p6 of band) | 0.89% |
| AOCI / equity | -2.08% (p26 of band) | |
| ROA (annualized) | 1.80% (p84 of band) | 1.04% |
| Net interest margin | 3.61% (p65 of band) | 3.30% |
| Efficiency ratio | 48.00% (p9 of band) | |
| Noncurrent loans | 0.61% (p62 of band) | 0.35% |
| Net charge-offs (annualized) | -0.01% (p23 of band) | |
| Reserve coverage of noncurrent | 1.63% | |
| Real estate % of loans | 58% | |
| Construction % of loans | 6.63% (p37 of band) | |
| Auto loans | $1.4M (1.58% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 12.4% | |
| Employees | 26 | |

## 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 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | capital falling |  |
| 2013-09 | 0 |  | capital falling |
| 2013-12 | 1 | AOCI drag >20% of equity |  |
| 2014-03 | 0 |  | AOCI drag >20% of equity |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | uninsured deposits leaving |  |
| 2015-09 | 0 |  | uninsured deposits leaving |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | uninsured deposits leaving |  |
| 2017-03 | 0 |  | uninsured deposits leaving |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | reserve under noncurrent |  |
| 2019-09 | 2 | noncurrent p90 |  |
| 2019-12 | 3 | charge-offs p90 |  |
| 2020-03 | 2 |  | charge-offs p90 |
| 2020-06 | 3 | charge-offs p90 |  |
| 2020-09 | 2 | capital falling | noncurrent p90, charge-offs p90 |
| 2020-12 | 5 | losing money, expense ratio p90, NIM <2.5% |  |
| 2021-03 | 1 |  | capital falling, losing money, expense ratio p90, NIM <2.5% |
| 2021-06 | 1 |  |  |

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

- 2016-10-07 [Carolyn Joy Aman Obituary Oct 7, 2016 - Cataldo Funeral Home](https://news.google.com/rss/articles/CBMib0FVX3lxTE5Sd0ZHUTBkaFFXN3NpS0c1Umo1OTJ4M3hMaXY3a19NUjNoU2UtUXU1V3BJYkNQTTMwel85WnEtQkE3ZlY1ajBTQ01nMjZMbnVvMmtqVWFVSlA4Vy1YSUtEZHczb2NHcUtBRjN0VDR4RQ?oc=5) · Cataldo Funeral Home
- 2013-03-19 [Edward Boyken Obituary (2013) - Mason City, IA - Globe Gazette - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxNNERYWUpjd3BDeElkUFI3NzBTbjAxTFU5UUV5Z1F0OE1BVVpxVGNYR2l0MkxJd3VmQ2E3anhYLTBQWVJ6eUlxaU8ySHEwNGVzZ1VucEczVndvV1Jic3lkb0ViZ0NWeTF6SkJOcThheXlHQmFqZEN1R18weDJyS3laYjU4M2JRQmdLa3Bhb3N0ZEZrUlE?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17302 (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/22.json (key "17302", 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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