# COMMUNITY BK ARBUCKLES
SULPHUR, OK · FDIC certificate 21564 · asset band <$300M · latest filing 2012-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $95.3M | |
| Deposits | $84.1M | |
| Loans and leases | $44.2M | |
| Total equity | $8.8M | |
| Loans / deposits | 51.56% (p20 of band) | 69.20% |
| Liquid assets / assets | 49.29% (p77 of band) | |
| Uninsured deposits / deposits | 17.76% (p86 of band) | 8.50% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.91% (p26 of band) | 10.13% |
| Unrealized securities loss / equity | 12.65% (p89 of band) | 3.81% |
| AOCI / equity | 3.25% (p92 of band) | |
| ROA (annualized) | 1.46% (p82 of band) | 0.80% |
| Net interest margin | 4.50% (p85 of band) | 3.77% |
| Efficiency ratio | 72.66% (p50 of band) | |
| Noncurrent loans | 1.10% (p46 of band) | 1.27% |
| Net charge-offs (annualized) | 0.16% (p63 of band) | |
| Reserve coverage of noncurrent | 164.34% | |
| Real estate % of loans | 60% | |
| Construction % of loans | 21.46% (p59 of band) | |
| Auto loans | $2.9M (6.49% of loans; DQ 1.78%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 3.9% | |
| Employees | 28 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | capital falling |  |
| 2012-09 | 0 |  | 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=21564 (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/60.json (key "21564", 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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