# PEABODY STATE BANK
PEABODY, KS · FDIC certificate 17955 · asset band <$300M · latest filing 2016-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 2 (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 | $38.8M | |
| Deposits | $32.8M | |
| Loans and leases | $22.4M | |
| Total equity | $4.6M | |
| Loans / deposits | 67.49% (p37 of band) | 75.30% |
| Liquid assets / assets | 37.95% (p63 of band) | |
| Uninsured deposits / deposits | 9.37% (p27 of band) | 14.23% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.89% (p49 of band) | |
| FHLB advances / assets | 1.89% | |
| Tier 1 leverage | 10.56% (p45 of band) | 10.87% |
| Unrealized securities loss / equity | 2.68% (p62 of band) | 1.65% |
| AOCI / equity | 0.89% (p54 of band) | |
| ROA (annualized) | 0.55% (p27 of band) | 0.88% |
| Net interest margin | 3.57% (p44 of band) | 3.67% |
| Efficiency ratio | 80.73% (p72 of band) | |
| Noncurrent loans | 5.85% (p98 of band) | 0.69% |
| Net charge-offs (annualized) | -0.01% (p19 of band) | |
| Reserve coverage of noncurrent | 18.11% | |
| Real estate % of loans | 46% | |
| Construction % of loans | 3.03% (p24 of band) | |
| Auto loans | $610,000 (2.73% of loans; DQ 6.39%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -2.7% | |
| Employees | 12 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 2 | losing money |  |
| 2011-09 | 3 | capital falling, charge-offs p90 | reserve under noncurrent |
| 2011-12 | 2 |  | capital falling |
| 2012-03 | 1 | uninsured deposits leaving | losing money, charge-offs p90 |
| 2012-06 | 0 |  | uninsured deposits leaving |
| 2012-09 | 0 |  |  |
| 2012-12 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2013-03 | 2 | noncurrent p90, reserve under noncurrent | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2013-06 | 0 |  | noncurrent p90, reserve under noncurrent |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | reserve under noncurrent |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 | charge-offs p90 | reserve under noncurrent |
| 2015-03 | 0 |  | charge-offs p90 |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 2 | reserve under noncurrent, uninsured deposits leaving |  |
| 2016-09 | 2 | noncurrent p90 | uninsured deposits leaving |

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

- 2016-07-14 [What’s Vintage Bank buying now? - Wichita Eagle](https://news.google.com/rss/articles/CBMikwFBVV95cUxQamUycWoxc3NtQWhpZDZ0OFJOY05vT1hxbXdsNDAyS0xhWEVubUVwaG9EN0tjdmR3b1NOT2J2aTJyTTJmV3BueXNWMlJtcndiUlhRdy0tSWhsRFhCcE9hMm9SdFZTdXFGcE5Fc1dwaEFXV2pmNGVyQ2xfSzdJZWRENmhpTEdoSktNVV9kX1FuNE9CRW_SAZQBQVVfeXFMTlJNZTd5cGlKdUMteFRRMlFZTmItU3I4UlRSRTFSd1ozbHlNRGczdGJJRVc3N25qbnhDaGY2YzNwSUVvTzdfTW9EejBDWFpETU9VLXppRzYzSko2bWltR183MC1MeEVSeUMxQmhWaGU3Ukk5N2NRV21td2ZiR1FMSUtUSnA2MmRnRi1vbEkteWtsX0x6dg?oc=5) · Wichita Eagle
- 1979-07-31 [Banker's Son, Kidnapped, Is Slain (Published 1979) - The New York Times](https://news.google.com/rss/articles/CBMihgFBVV95cUxQNWxpMmNQVXNXT19WaExzLVloQVd6dWJtSVdtSHl0eXh0MU4xU2MzNVIwcWFtMFdRU2V0VVFtNXlZQk1WVURyNFVjRzFjb2hUWFR0NHpBcGJBeFFwSGRlcnVpQmEybEpBUTdLUURLYjMxckJCaDhkaERqTUtSblNNSVhiMHdGUQ?oc=5) · The New York Times
- 2014-02-09 [Ross Baker Obituary (2014) - Wichita, KS - The Daily Camera - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxQVVJEeC1ONHNhYkNjMFV0LWwwWHRMU0pGaXY1aVFfZTQ1QUtiSE5lY2E5V2h4WnJDanlFV0dBMGpHQ0JVV19yT0o0cEpjM0hvaWlaWjRwNWJnd3hqU01vWTFBeV9QMlkzUVI2NHVSbEpSbGRRQkJJOXdNdWw3cGMxX3ZUakNUZGZwcWlXRmhn?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17955 (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/35.json (key "17955", 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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