# COLORADO VALLEY BANK,SSB
LA GRANGE, TX · FDIC certificate 26424 · asset band <$300M · latest filing 2012-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (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 | $27.7M | |
| Deposits | $23.6M | |
| Loans and leases | $20.0M | |
| Total equity | $1.6M | |
| Loans / deposits | 84.36% (p79 of band) | 69.17% |
| Liquid assets / assets | 20.26% (p17 of band) | |
| Uninsured deposits / deposits | 0.64% (p4 of band) | 8.28% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 9.01% (p81 of band) | |
| FHLB advances / assets | 9.01% | |
| Tier 1 leverage | 5.66% (p3 of band) | 10.02% |
| Unrealized securities loss / equity | 0.68% (p23 of band) | 3.21% |
| AOCI / equity | 0.00% (p38 of band) | |
| ROA (annualized) | -1.07% (p5 of band) | 0.78% |
| Net interest margin | 4.27% (p77 of band) | 3.76% |
| Efficiency ratio | 125.81% (p97 of band) | |
| Noncurrent loans | 0.46% (p28 of band) | 1.31% |
| Net charge-offs (annualized) | -0.01% (p14 of band) | |
| Reserve coverage of noncurrent | 139.56% | |
| Real estate % of loans | 70% | |
| Construction % of loans | 51.96% (p82 of band) | |
| Auto loans | $437,000 (2.19% of loans; DQ 1.60%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 0.7% | |
| Employees | 14 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | leverage <7%, losing money, expense ratio p90 |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 4 | reserve under noncurrent |  |
| 2011-12 | 4 |  |  |
| 2012-03 | 5 | capital falling |  |
| 2012-06 | 4 |  | reserve under noncurrent |

## 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=26424 (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/56.json (key "26424", 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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