# CATTLEMANS NATIONAL BANK
JOHNSON CITY, TX · FDIC certificate 26688 · asset band <$300M · latest filing 2012-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (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 | $81.3M | |
| Deposits | $75.3M | |
| Loans and leases | $45.3M | |
| Total equity | $5.9M | |
| Loans / deposits | 59.32% (p31 of band) | 69.20% |
| Liquid assets / assets | 40.49% (p61 of band) | |
| Uninsured deposits / deposits | 5.62% (p32 of band) | 8.50% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 7.30% (p6 of band) | 10.13% |
| Unrealized securities loss / equity | 0.19% (p13 of band) | 3.81% |
| AOCI / equity | 0.00% (p29 of band) | |
| ROA (annualized) | -0.15% (p10 of band) | 0.80% |
| Net interest margin | 3.21% (p21 of band) | 3.77% |
| Efficiency ratio | 107.18% (p94 of band) | |
| Noncurrent loans | 0.00% (p5 of band) | 1.27% |
| Net charge-offs (annualized) | 0.15% (p61 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 83% | |
| Construction % of loans | 132.46% (p98 of band) | |
| Auto loans | $330,000 (0.73% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 1.0% | |
| Employees | 26 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, expense ratio p90, construction >100% equity |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 4 | capital falling |  |
| 2011-12 | 4 |  |  |
| 2012-03 | 2 |  | losing money, expense ratio p90 |
| 2012-06 | 2 |  |  |
| 2012-09 | 3 | losing money, expense ratio p90 | capital falling |

## 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=26688 (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/0.json (key "26688", 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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