# FARMERS&MERCHANTS STB CAWKER
CAWKER CITY, KS · FDIC certificate 17999 · asset band <$300M · latest filing 2016-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 6 (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 | $18.0M | |
| Deposits | $12.7M | |
| Loans and leases | $16.5M | |
| Total equity | $1.7M | |
| Loans / deposits | 128.21% (p99 of band) | 75.30% |
| Liquid assets / assets | 5.05% (p1 of band) | |
| Uninsured deposits / deposits | 19.45% (p71 of band) | 14.23% |
| Brokered deposits | 14.32% | |
| Wholesale funding | 33.68% (p99 of band) | |
| FHLB advances / assets | 19.36% | |
| Tier 1 leverage | 9.42% (p24 of band) | 10.87% |
| Unrealized securities loss / equity | 0.00% (p10 of band) | 1.65% |
| AOCI / equity | 0.00% (p13 of band) | |
| ROA (annualized) | 1.73% (p89 of band) | 0.88% |
| Net interest margin | 4.25% (p81 of band) | 3.67% |
| Efficiency ratio | 46.51% (p5 of band) | |
| Noncurrent loans | 4.08% (p95 of band) | 0.69% |
| Net charge-offs (annualized) | -0.06% (p7 of band) | |
| Reserve coverage of noncurrent | 32.39% | |
| Real estate % of loans | 35% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $214,000 (1.30% of loans; DQ 40.19%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 16.5% | |
| Employees | 3 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **liquid assets <10%** (`liq_thin`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | loans exceed deposits, brokered >10%, wholesale funding >15% |  |
| 2011-06 | 4 | liquid assets <10% |  |
| 2011-09 | 5 | capital falling |  |
| 2011-12 | 4 |  | capital falling |
| 2012-03 | 7 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-06 | 6 |  | deposits shrinking |
| 2012-09 | 5 |  | assets shrinking |
| 2012-12 | 3 |  | liquid assets <10%, uninsured deposits leaving |
| 2013-03 | 4 | liquid assets <10% |  |
| 2013-06 | 4 |  |  |
| 2013-09 | 4 |  |  |
| 2013-12 | 2 |  | loans exceed deposits, liquid assets <10% |
| 2014-03 | 6 | loans exceed deposits, liquid assets <10%, capital falling, deposits shrinking, uninsured deposits leaving | brokered >10% |
| 2014-06 | 7 | brokered >10%, reserve under noncurrent | capital falling |
| 2014-09 | 6 |  | uninsured deposits leaving |
| 2014-12 | 6 | uninsured deposits leaving | reserve under noncurrent |
| 2015-03 | 4 |  | deposits shrinking, uninsured deposits leaving |
| 2015-06 | 4 |  |  |
| 2015-09 | 5 | deposits shrinking, uninsured deposits leaving | brokered >10% |
| 2015-12 | 8 | brokered >10%, capital falling, charge-offs p90, reserve under noncurrent | deposits shrinking |
| 2016-03 | 4 |  | uninsured deposits leaving, capital falling, charge-offs p90, reserve under noncurrent |
| 2016-06 | 6 | noncurrent p90, reserve under noncurrent |  |
| 2016-09 | 6 |  |  |

## 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=17999 (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/15.json (key "17999", 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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