# CITY BANK OF HARTFORD
HARTFORD, AL · FDIC certificate 22131 · asset band <$300M · 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 | $52.2M | |
| Deposits | $46.0M | |
| Loans and leases | $28.9M | |
| Total equity | $6.1M | |
| Loans / deposits | 61.75% (p34 of band) | 71.50% |
| Liquid assets / assets | 43.18% (p68 of band) | |
| Uninsured deposits / deposits | 5.80% (p15 of band) | 13.21% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.60% (p67 of band) | 10.45% |
| Unrealized securities loss / equity | 0.00% (p33 of band) | 0.49% |
| AOCI / equity | 1.72% (p53 of band) | |
| ROA (annualized) | 0.52% (p30 of band) | 0.81% |
| Net interest margin | 3.98% (p68 of band) | 3.66% |
| Efficiency ratio | 82.65% (p71 of band) | |
| Noncurrent loans | 3.61% (p90 of band) | 0.76% |
| Net charge-offs (annualized) | 0.05% (p53 of band) | |
| Reserve coverage of noncurrent | 41.36% | |
| Real estate % of loans | 71% | |
| Construction % of loans | 21.38% (p58 of band) | |
| Auto loans | $897,000 (3.11% of loans; DQ 13.04%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -1.5% | |
| Employees | 18 | |

## 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 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 4 | deposits shrinking, uninsured deposits leaving |  |
| 2012-06 | 4 |  |  |
| 2012-09 | 4 | assets shrinking | noncurrent p90 |
| 2012-12 | 1 |  | deposits shrinking, uninsured deposits leaving, assets shrinking |
| 2013-03 | 1 |  |  |
| 2013-06 | 2 | deposits shrinking |  |
| 2013-09 | 1 |  | deposits shrinking |
| 2013-12 | 2 | deposits shrinking |  |
| 2014-03 | 2 | uninsured deposits leaving | deposits shrinking |
| 2014-06 | 1 |  | uninsured deposits leaving |
| 2014-09 | 1 |  |  |
| 2014-12 | 2 | noncurrent p90 |  |

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

- 2016-05-15 [J.P. Kennedy Obituary (2016) - Slocomb, AL - Dothan Eagle - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxOQzlYZExITEE3YWlHMVdTVmM0MXFPMEFiWG1EUWVjVTJBVE5ieGROdTlIa2NQdmxVVzRLdF9HYmN5YkxJUEEyWjFySWFQRFpzUERwTXZQUzF5S1E0a2hkSE9OOEwwMU8yaUtXWTdPYUJnV3Y3Qk1BSW9NSGxXT3M1X2NXNnhxUHFucVVzOFM4aw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=22131 (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/51.json (key "22131", 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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