# SIUSLAW BANK
FLORENCE, OR · FDIC certificate 19006 · asset band $300M-1B · latest filing 2014-12 · 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 | $362.4M | |
| Deposits | $308.8M | |
| Loans and leases | $249.9M | |
| Total equity | $48.3M | |
| Loans / deposits | 79.62% (p47 of band) | 80.75% |
| Liquid assets / assets | 25.36% (p48 of band) | |
| Uninsured deposits / deposits | 13.68% (p27 of band) | 19.51% |
| Brokered deposits | 0.48% | |
| Wholesale funding | 0.48% (p16 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.72% (p86 of band) | 10.04% |
| Unrealized securities loss / equity | 1.52% (p58 of band) | 1.00% |
| AOCI / equity | 0.83% (p37 of band) | |
| ROA (annualized) | 1.12% (p67 of band) | 0.89% |
| Net interest margin | 3.82% (p62 of band) | 3.63% |
| Efficiency ratio | 74.70% (p67 of band) | |
| Noncurrent loans | 3.92% (p95 of band) | 0.89% |
| Net charge-offs (annualized) | 0.02% (p29 of band) | |
| Reserve coverage of noncurrent | 41.42% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 32.38% (p49 of band) | |
| Auto loans | $76,000 (0.03% of loans; DQ 10.53%, NCO 0.00%) | |
| Loans to nondepository financials | $217,000 (0% of equity) (p90 of band) | |
| Deposits YoY | 2.0% | |
| Employees | 110 | |

## 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 | 1 |  |  |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 1 |  | capital falling |
| 2012-03 | 2 | uninsured deposits leaving |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 1 |  | uninsured deposits leaving |
| 2013-06 | 2 | noncurrent p90 |  |
| 2013-09 | 3 | capital falling |  |
| 2013-12 | 2 |  | capital falling |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 3 | capital falling |  |
| 2014-12 | 2 |  | capital falling |

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

- 2015-03-09 [Banner Corporation Completes Acquisition of Siuslaw Financial Group, Inc. - GlobeNewswire](https://news.google.com/rss/articles/CBMi3gFBVV95cUxQUHdtSEFtSTZaZ3hoV1RkYU5RRDVZNzNxMlhpWU9CQ0k5TnlHdlVyU0huWTdzN21pbVcwb3JJYjY4SHlJOFVLYVgwMDY4MjRSMmFxU3ZlZUFwS3RRMkxiRVB6eXdycTM2MmJuX1ExN0dfdzNZaXQtMEIzTmY2ZG84aWVDOHNVUktZa291ZjBpLVZzalhFVTFLMkFTdkNkNW1NRndIWkg1Um00Z2NiSjJHTWw3elJxdlI4QWpNT1pwUkFPVFJ3bFRXX2g2NFhXUkJiSlUtZVQyTWVIYkdnNmc?oc=5) · GlobeNewswire
- 2012-08-15 [Police: three arrests, two bank robberies and a missing man's body - KVAL](https://news.google.com/rss/articles/CBMilgFBVV95cUxPXzNLdmxxZ29BbUhUOVlYYTA4b004QWgyV0UyN00zalJIcDFGb3ZmLVFzTXB5ZUZKMUwzZGJ3aW5QbGFUV1VjYjBteUtfVkMtbG5YQXhPVTcxVTZjdmJfZldoUUVHc3NnZVR5ZFFudzZzZFpaaDExRkpEVGZOb25Sb1Q5TGxrak5nRTQ2QV9jY3lZNkZ2VGc?oc=5) · KVAL
- 2022-07-19 [Jeff Gusinow Hired as Senior Lending Consultant for Summit Bank - Business Wire](https://news.google.com/rss/articles/CBMivAFBVV95cUxNVHBPcmsyWlNXOVUzcXBIVDNSWm9qYzNPVDJlTVNXbEdrTmlsM0ZaeHdBSTh0WDRYS3I1Wmw4NlJRT3V0aTl5Z21uN3RyVXJXMnZodUFmOVR5M1pVQzR1YnZfVUNjMG5rdDY0Sy1DWTg3alRWR2ZMbjVnUDhnWE54empLeWJfeTlLYldDYnluVVU3SzFkTkt1eDQ3UHdlblFmMEw0T0pKOXl1N25UbkRERlI4elBhcHlwUWgtdg?oc=5) · Business Wire
- 2022-01-08 [Johan Arnt Mehlum - The Register-Guard](https://news.google.com/rss/articles/CBMiXkFVX3lxTE96V3NXWmxINDcwazJXN3dvN0ZfblQ5bG41ckRQb0E5NlBGTkhOc3Q5c1FycXVaNWxTSE8td3dDOTNWdmk0aEtIVVdDeUphTkg4aGQtVGxxYXNpTTkxeEE?oc=5) · The Register-Guard
- 2019-10-16 [Donor story: Mother and daughter care and share in Cottage Grove - PeaceHealth](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQdVpYS1JOSXI2UmpTbmY4a1Fsc0J3bUkzZTN1YUxHelJINFppZnV1OXRuaENNQ1RaT0o1bkRrakdZN3lwVDVUS0E4R3V0YVVHSUozMXRqaHIzdGtOems0Uk9McG5pNTJKSnJub21vNTlhZGJuTXVPMzYtWlZGTlBpS2VjTHd2ZVpGZlBQMmZWWVdYWDJOamkwSUxSelBoNG1DM056T2c3RWk?oc=5) · PeaceHealth
- 2016-11-29 [Woman sentenced to life in prison for murder appears in court again - KMTR](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOQkxoZGFubXlob3dXdl9nMjJpU3ZYT2VIem1JLUpra1pPSFMtUkpIWjRwSmhsNjV5bmhjN3ppbFRXRUVyeUJqMDlCS043dGktY1Rmd0Z3UWhPcEZ2NVRnek5KbXdZdHFmbTdmcTJPbUwtdmw2eC1WTEw1QXN0UVdZVE5SUWJEZVVrNWJj?oc=5) · KMTR
- 2024-03-22 [Renda Jo Wolford - The Register-Guard](https://news.google.com/rss/articles/CBMiYkFVX3lxTFAyLXBNWlMtLU5aQTgyS0cxUkxCVlR6UVE4LUh5UjhsM1gtXzV5RzJraWZtMDd3VlJiS0t2THhnWnc1WXptMV9OUjRZSTFjbzFscFlkYjBKa1ktNHF1WDF0MW9R?oc=5) · The Register-Guard
- 2016-11-29 [Woman serving life in prison for murder sentenced for bank robbery - KVAL](https://news.google.com/rss/articles/CBMimgFBVV95cUxORjRuSUtXR0JoWUFTVlpNVFFESlNuZ1dNblVBOFRHN1NxTWsyZmxlay1QYVNLS2hRY3B2cG5EN0hXQUZsbGZFMm5VQnhOZ1UtVExiSGdRVk5YVEJ2a21KRldfQjdXZHdFc3NCSWE1RWRDVGY1QkJ5NHN4TWVNZk9TUVYxcnhYVGdoMlJXZUstTC1YVl8yOV9vVkFR?oc=5) · KVAL

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19006 (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/62.json (key "19006", 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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