# BANK OF DOOLY
VIENNA, GA · FDIC certificate 22309 · asset band <$300M · latest filing 2013-12 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $114.5M | |
| Deposits | $99.8M | |
| Loans and leases | $57.7M | |
| Total equity | $14.6M | |
| Loans / deposits | 55.16% (p26 of band) | 69.26% |
| Liquid assets / assets | 47.27% (p73 of band) | |
| Uninsured deposits / deposits | 14.09% (p57 of band) | 12.49% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.78% (p84 of band) | 10.29% |
| Unrealized securities loss / equity | 0.57% (p82 of band) | -1.01% |
| AOCI / equity | 0.00% (p91 of band) | |
| ROA (annualized) | 0.59% (p39 of band) | 0.76% |
| Net interest margin | 3.58% (p47 of band) | 3.63% |
| Efficiency ratio | 65.97% (p29 of band) | |
| Noncurrent loans | 3.17% (p84 of band) | 0.94% |
| Net charge-offs (annualized) | 0.64% (p92 of band) | |
| Reserve coverage of noncurrent | 145.05% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 4.74% (p27 of band) | |
| Auto loans | $483,000 (0.84% of loans; DQ 1.24%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -0.9% | |
| Employees | 19 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | losing money, noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 3 |  | charge-offs p90 |
| 2011-09 | 4 | charge-offs p90 |  |
| 2011-12 | 4 |  |  |
| 2012-03 | 3 | capital falling | losing money, charge-offs p90 |
| 2012-06 | 4 | charge-offs p90, assets shrinking, uninsured deposits leaving | noncurrent p90, capital falling |
| 2012-09 | 1 |  | reserve under noncurrent, charge-offs p90, assets shrinking |
| 2012-12 | 3 | noncurrent p90, charge-offs p90, reserve under noncurrent | uninsured deposits leaving |
| 2013-03 | 4 | capital falling |  |
| 2013-06 | 2 |  | charge-offs p90, capital falling |
| 2013-09 | 3 | uninsured deposits leaving |  |
| 2013-12 | 1 | charge-offs p90 | noncurrent p90, reserve under noncurrent, uninsured deposits leaving |

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

- 2019-09-23 [A country preacher, ALS, and the dash between dates - christianindex.org](https://news.google.com/rss/articles/CBMikgFBVV95cUxNMlpXMEUxM2k2UWtRV1FVV3VGVDFHMm5oSi10MUxld002YW85ZFdMc2ZlYURjZTBYSlJLR2NZU2pfaF84R3pGTHM0eEZHTjY5WHduX3R3MVhmODFFX0QxY3IwYW9RVWRNb19FSzhuZ2N4eG5rQko4QWdxOV9FcDBEenNvR05KeWxGR0ZkdEFPdjJiZw?oc=5) · christianindex.org
- 2022-05-16 [Roy Vernon Noble, Jr. - Cordele Dispatch](https://news.google.com/rss/articles/CBMia0FVX3lxTE9UN0doZzU0UDg4X2pOZXV5S1hiYXNwWF9Hd3c4aVlCMmktdEh0dmowRlV2SHhBNDhjWHVFdWpnYWdZNWc0TUFtaFdYX2c4eXdNNjl5eDJReWJTTEVYTmtvdDg3X3pwT2NobV93?oc=5) · Cordele Dispatch
- 2015-04-23 [Coley Elected NCC Chairman - Cotton Grower](https://news.google.com/rss/articles/CBMid0FVX3lxTE00WTFMLVFaYXY1ejlBSTYzb3VKSWhwaEJHempodXNhODBpS0N2eEtnb096VFhEaEhsUG95MHFpbVlnY0dUNXYzTVN4Q0NWZmpBQURGRWVSTUh3V3hzQndLcWlFMG5SR0lUYUlKWmlUbGV1blNfZ0w40gF8QVVfeXFMUEJUdUJVNjZxc3NUdFZDR2dLNTBFejJuN3hEZlVMWlZ4Q2h4ZmZUZjZWVVVBQXNqN3BiUk9JZEE0U19IWE5OMHpFWVRPTWJPYVpZR2Q2QWV5SDhGTFNMSTBHRFlqMW1Rekpja01TRmdmaXd1Zk10amhhal9fSA?oc=5) · Cotton Grower
- 2013-03-07 [Vienna woman faces counterfeiting charges - WALB](https://news.google.com/rss/articles/CBMigwFBVV95cUxQMXdicXBiWlpBVDV2S2xJaTRzNjlJOFlQQ2tfRmg5SFUyeV9LcHN0OUpQN1RaWXk2NUZwNlZmTkhsTUFQSldJQzZjUjJPV0tMcjQ4ZEpNSDU1cUVYcENIZTFWb01RSFlxU2dSTmFKal9JTTc0Vks0dFlvdlRfMnpjeEE2WdIBlgFBVV95cUxOdkFkNGcyZDktSmZFdDlaMzdpQzVIYXpFV0Y0cEs4YnNQVm5QclVMVzJmTTR3N19GREgzLW5uUG45c0VnMDF1Qkx6QllXcVFLVUoybkt4UW9kMzVQN1ZpaTVyMjVRQUQ4aGhXdXFDQ0xfaXhVSEYxR1VfTi1EaUhtTWpyNFBkN0dNVkpHQ1FhbzB6Z2EwR2c?oc=5) · WALB

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=22309 (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/37.json (key "22309", 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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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide