# CHICKASHA BANK&TRUST CO
CHICKASHA, OK · FDIC certificate 21012 · asset band <$300M · latest filing 2014-06 · 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 | $198.8M | |
| Deposits | $166.0M | |
| Loans and leases | $122.6M | |
| Total equity | $26.2M | |
| Loans / deposits | 73.35% (p56 of band) | 70.22% |
| Liquid assets / assets | 28.68% (p37 of band) | |
| Uninsured deposits / deposits | 18.40% (p73 of band) | 12.36% |
| Brokered deposits | 5.71% | |
| Wholesale funding | 8.57% (p80 of band) | |
| FHLB advances / assets | 2.86% | |
| Tier 1 leverage | 10.54% (p53 of band) | 10.41% |
| Unrealized securities loss / equity | 1.33% (p69 of band) | 0.24% |
| AOCI / equity | 1.28% (p48 of band) | |
| ROA (annualized) | 1.21% (p75 of band) | 0.79% |
| Net interest margin | 5.56% (p99 of band) | 3.62% |
| Efficiency ratio | 63.95% (p26 of band) | |
| Noncurrent loans | 1.23% (p59 of band) | 0.88% |
| Net charge-offs (annualized) | 0.00% (p33 of band) | |
| Reserve coverage of noncurrent | 53.54% | |
| Real estate % of loans | 71% | |
| Construction % of loans | 87.76% (p94 of band) | |
| Auto loans | $1.4M (1.15% of loans; DQ 1.70%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 2.1% | |
| Employees | 61 | |

## Flags firing in the latest filing

- **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 | 1 |  |  |
| 2011-12 | 2 | brokered >10% |  |
| 2012-03 | 2 | capital falling | brokered >10% |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | brokered >10% |  |
| 2013-03 | 1 |  | brokered >10% |
| 2013-06 | 1 |  |  |
| 2013-09 | 2 | NIM <2.5% |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 | capital falling | NIM <2.5% |
| 2014-06 | 1 |  | capital falling |

## 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=21012 (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/20.json (key "21012", 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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