# MCKENZIE COUNTY BANK
WATFORD CITY, ND · FDIC certificate 23836 · 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 | $175.2M | |
| Deposits | $163.6M | |
| Loans and leases | $80.9M | |
| Total equity | $9.7M | |
| Loans / deposits | 48.81% (p18 of band) | 71.50% |
| Liquid assets / assets | 51.45% (p79 of band) | |
| Uninsured deposits / deposits | 37.99% (p96 of band) | 13.21% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.57% (p40 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 5.61% (p2 of band) | 10.45% |
| Unrealized securities loss / equity | 6.70% (p93 of band) | 0.49% |
| AOCI / equity | 0.24% (p30 of band) | |
| ROA (annualized) | 1.41% (p83 of band) | 0.81% |
| Net interest margin | 3.65% (p49 of band) | 3.66% |
| Efficiency ratio | 59.17% (p15 of band) | |
| Noncurrent loans | 1.26% (p64 of band) | 0.76% |
| Net charge-offs (annualized) | 0.00% (p31 of band) | |
| Reserve coverage of noncurrent | 103.34% | |
| Real estate % of loans | 70% | |
| Construction % of loans | 41.50% (p77 of band) | |
| Auto loans | $3.2M (3.96% of loans; DQ 2.72%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 33.8% | |
| Employees | 18 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | leverage <7% |  |
| 2011-09 | 0 |  | leverage <7% |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | leverage <7% |  |
| 2012-06 | 0 |  | leverage <7% |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | capital falling |  |
| 2014-03 | 2 | reserve under noncurrent |  |
| 2014-06 | 3 | leverage <7% |  |
| 2014-09 | 2 |  | reserve under noncurrent |
| 2014-12 | 2 |  |  |

## 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=23836 (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/28.json (key "23836", 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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