# FAMILY BANK FSB
PAINTSVILLE, KY · FDIC certificate 29721 · asset band <$300M · latest filing 2011-03 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $110.2M | |
| Deposits | $90.9M | |
| Loans and leases | $71.6M | |
| Total equity | $10.5M | |
| Loans / deposits | 77.73% (p64 of band) | 70.88% |
| Liquid assets / assets | 32.20% (p48 of band) | |
| Uninsured deposits / deposits | 0.07% (p3 of band) | 7.86% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 7.82% (p73 of band) | |
| FHLB advances / assets | 7.82% | |
| Tier 1 leverage | 9.55% (p47 of band) | 9.71% |
| Unrealized securities loss / equity | 58.98% (p97 of band) | 0.79% |
| AOCI / equity | 0.35% (p69 of band) | |
| ROA (annualized) | 0.87% (p63 of band) | 0.66% |
| Net interest margin | 3.30% (p23 of band) | 3.79% |
| Efficiency ratio | 76.42% (p55 of band) | |
| Noncurrent loans | 0.35% (p22 of band) | 1.53% |
| Net charge-offs (annualized) | 0.03% (p50 of band) | |
| Reserve coverage of noncurrent | 381.45% | |
| Real estate % of loans | 94% | |
| Construction % of loans | 21.02% (p51 of band) | |
| Auto loans | $902,000 (1.26% of loans; DQ 0.89%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (– of equity) | |
| Deposits YoY | – | |
| Employees | 37 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |

## 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=29721 (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/25.json (key "29721", 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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