# FIRST NB OF JACKSON
JACKSON, KY · FDIC certificate 2698 · asset band <$300M · latest filing 2019-09 · 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 | $100.9M | |
| Deposits | $84.8M | |
| Loans and leases | $43.3M | |
| Total equity | $15.5M | |
| Loans / deposits | 50.75% (p14 of band) | 77.79% |
| Liquid assets / assets | 53.77% (p86 of band) | |
| Uninsured deposits / deposits | 5.34% (p9 of band) | 15.94% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p21 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 14.96% (p80 of band) | 11.56% |
| Unrealized securities loss / equity | 0.42% (p40 of band) | 0.80% |
| AOCI / equity | 8.62% (p91 of band) | |
| ROA (annualized) | 0.27% (p10 of band) | 1.05% |
| Net interest margin | 2.98% (p12 of band) | 3.84% |
| Efficiency ratio | 90.90% (p92 of band) | |
| Noncurrent loans | 3.49% (p94 of band) | 0.56% |
| Net charge-offs (annualized) | 0.04% (p67 of band) | |
| Reserve coverage of noncurrent | 15.62% | |
| Real estate % of loans | 77% | |
| Construction % of loans | 35.58% (p71 of band) | |
| Auto loans | $1.3M (2.89% of loans; DQ 0.00%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -4.3% | |
| Employees | 28 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 5 | losing money, reserve under noncurrent, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-06 | 6 | charge-offs p90 |  |
| 2012-09 | 6 |  |  |
| 2012-12 | 6 | capital falling | reserve under noncurrent |
| 2013-03 | 1 |  | losing money, deposits shrinking, assets shrinking, uninsured deposits leaving, charge-offs p90 |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2013-12 | 2 | assets shrinking | deposits shrinking |
| 2014-03 | 1 |  | assets shrinking |
| 2014-06 | 1 | capital falling | uninsured deposits leaving |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 2 | noncurrent p90, reserve under noncurrent | capital falling |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 | expense ratio p90 | noncurrent p90 |
| 2016-06 | 3 | noncurrent p90, uninsured deposits leaving | expense ratio p90 |
| 2016-09 | 4 | expense ratio p90 |  |
| 2016-12 | 4 |  |  |
| 2017-03 | 3 |  | expense ratio p90 |
| 2017-06 | 2 |  | uninsured deposits leaving |
| 2017-09 | 3 | expense ratio p90 |  |
| 2017-12 | 4 | losing money |  |
| 2018-03 | 1 |  | noncurrent p90, expense ratio p90, losing money |
| 2018-06 | 3 | expense ratio p90, noncurrent p90 |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 3 | uninsured deposits leaving | expense ratio p90 |
| 2019-06 | 3 |  |  |
| 2019-09 | 4 | expense ratio p90 |  |

## 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=2698 (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/10.json (key "2698", 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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