# RIPLEY FEDERAL SAVINGS BANK
RIPLEY, OH · FDIC certificate 29323 · asset band <$300M · latest filing 2017-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $65.4M | |
| Deposits | $53.9M | |
| Loans and leases | $51.1M | |
| Total equity | $6.6M | |
| Loans / deposits | 93.02% (p81 of band) | 76.19% |
| Liquid assets / assets | 11.14% (p7 of band) | |
| Uninsured deposits / deposits | 1.98% (p2 of band) | 14.99% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 4.97% (p64 of band) | |
| FHLB advances / assets | 4.97% | |
| Tier 1 leverage | 10.40% (p40 of band) | 11.02% |
| Unrealized securities loss / equity | 0.05% (p52 of band) | 0.02% |
| AOCI / equity | 1.01% (p54 of band) | |
| ROA (annualized) | 0.35% (p15 of band) | 0.90% |
| Net interest margin | 3.44% (p34 of band) | 3.71% |
| Efficiency ratio | 86.61% (p86 of band) | |
| Noncurrent loans | 1.20% (p69 of band) | 0.62% |
| Net charge-offs (annualized) | 0.02% (p56 of band) | |
| Reserve coverage of noncurrent | 154.40% | |
| Real estate % of loans | 97% | |
| Construction % of loans | 10.36% (p40 of band) | |
| Auto loans | $320,000 (0.63% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -5.1% | |
| Employees | 17 | |

## Flags firing in the latest filing

- **deposits shrinking** (`shrink_deposits`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

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

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

- 2017-08-02 [Southern Hills Community Bank, Adams County Building and Loan announce merger - The Times Gazette](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNemozTW1yMXZ2WF9Sc3JYNm5pWlJlZEhxQ2M2dHJxemhKSlZTQkUzZWVmODNIdzZqMkNuU2l1MWZiS3pDZW0za05zXzUtcmVIclhTXzlrSWhDX2VBZC1EelhyNHVYX2x2UTRGekcxdTNGanN3UjJSOUJGUFk1RHc2RmtqSXN3R1pkWWw4Z1VOZV9zQXNGTDROUDl5YVU2Tko0NlBPMzFWeWd1V180ZjVZaGJEM3ZpczNj?oc=5) · The Times Gazette

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=29323 (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/11.json (key "29323", 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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