# STONE COUNTY NATIONAL BANK
CRANE, MO · FDIC certificate 24858 · asset band <$300M · latest filing 2012-09 · 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 | $80.7M | |
| Deposits | $71.6M | |
| Loans and leases | $28.8M | |
| Total equity | $8.9M | |
| Loans / deposits | 38.85% (p9 of band) | 69.20% |
| Liquid assets / assets | 57.54% (p86 of band) | |
| Uninsured deposits / deposits | 5.91% (p34 of band) | 8.50% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.83% (p44 of band) | 10.13% |
| Unrealized securities loss / equity | 9.49% (p80 of band) | 3.81% |
| AOCI / equity | 3.44% (p93 of band) | |
| ROA (annualized) | -0.60% (p7 of band) | 0.80% |
| Net interest margin | 3.58% (p39 of band) | 3.77% |
| Efficiency ratio | 103.79% (p93 of band) | |
| Noncurrent loans | 1.61% (p57 of band) | 1.27% |
| Net charge-offs (annualized) | -0.03% (p6 of band) | |
| Reserve coverage of noncurrent | 214.47% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 17.22% (p53 of band) | |
| Auto loans | $1.1M (3.76% of loans; DQ 0.46%, NCO -0.03%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -3.2% | |
| Employees | 30 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | losing money |  |
| 2011-06 | 2 | expense ratio p90 |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 3 | capital falling |  |
| 2012-09 | 2 |  | capital falling |

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

- 2019-01-30 [All work (and some play) for these police dogs in the Ozarks - Springfield News-Leader](https://news.google.com/rss/articles/CBMiwAFBVV95cUxQV25EZk5iVmRKYTZGVHR6YnZ5ZVUtZXVrRDA2MHFLd2tjQno2bEt3X0xod0JwZnZsak5GU2doVFZnQW1xc1BRdm94d3ZtTFhKeWVlT3BPNXptU0NYWEpNaGc2MUVqZ1pTeDFvRWJYbVVGSlFnejhablNpdjJ6X0ExUG12NEhtZWVZOG9MQlZrZ3o1Q2ZhWnFuZDZURW5kb1dGWjVOTmVELW5KRG5BMXZkcUdpV1N6b0Rkd05ka3AzNE0?oc=5) · Springfield News-Leader
- 2023-01-03 [John Charles Vieth - Bolivar Herald Free-Press](https://news.google.com/rss/articles/CBMia0FVX3lxTE45U2diajg3Rndkc0tXcnROei1jYk1oSGNtdW12TWdHMlhKNk5iQjZLUV93YTlhY01ROVJQbHY5S0E5NVdtOXZ2am9WM1p2MFlhNXY1TDJEREkwb0xWYXlwTnJMRF9PR2hJQXUw?oc=5) · Bolivar Herald Free-Press
- 2020-05-27 [Pokin Around: Few have escaped Greene County Jail; they don't go far and aren't free long - Springfield News-Leader](https://news.google.com/rss/articles/CBMi1AFBVV95cUxNOFVWMElUOXhqMmU3alJwVXdONndQckJzRU9yNmxId1lWckNONUMxSmlsTTl6SXJrek9Id1BoY0ZsRzR6VFJRY1QwUnBKNjFJczh2dE5wSURlOHkyczJvM1NLUW1UbjFRNE9iQm1CVUdYMGhyYW9oLWJvM3JuSW1Caks4R0ZtTmQ5YVBpbVRhRmZsNGxpUnQtMlRaM2hQblBWekZPdjJRRkhSYS1zRXpvRlozYnVFSjhzTXN6MTJKTDNsRVF1Y000b3pCRW0tR2pDS0Fpaw?oc=5) · Springfield News-Leader

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=24858 (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/26.json (key "24858", 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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