# ANCHORBANK FSB
MADISON, WI · FDIC certificate 29979 · asset band $1-10B · latest filing 2016-03 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $2.23B | |
| Deposits | $1.84B | |
| Loans and leases | $1.70B | |
| Total equity | $344.3M | |
| Loans / deposits | 91.30% (p61 of band) | 86.87% |
| Liquid assets / assets | 16.37% (p26 of band) | |
| Uninsured deposits / deposits | 5.81% (p6 of band) | 25.28% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.60% (p11 of band) | |
| FHLB advances / assets | 0.45% | |
| Tier 1 leverage | 12.82% (p89 of band) | 9.62% |
| Unrealized securities loss / equity | 0.22% (p17 of band) | 1.65% |
| AOCI / equity | 0.75% (p57 of band) | |
| ROA (annualized) | 0.93% (p50 of band) | 0.92% |
| Net interest margin | 3.45% (p48 of band) | 3.47% |
| Efficiency ratio | 82.78% (p93 of band) | |
| Noncurrent loans | 0.97% (p68 of band) | 0.66% |
| Net charge-offs (annualized) | -0.35% (p1 of band) | |
| Reserve coverage of noncurrent | 141.40% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 59.54% (p73 of band) | |
| Auto loans | $2.8M (0.17% of loans; DQ 0.18%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p37 of band) | |
| Deposits YoY | 0.3% | |
| Employees | 541 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 10 | wholesale funding >15%, leverage <7%, leverage <5%, losing money, expense ratio p90, noncurrent p90, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 9 |  | wholesale funding >15% |
| 2011-09 | 9 |  |  |
| 2011-12 | 11 | wholesale funding >15%, capital falling |  |
| 2012-03 | 10 | deposits shrinking, assets shrinking | expense ratio p90, wholesale funding >15%, capital falling |
| 2012-06 | 10 | expense ratio p90 | losing money |
| 2012-09 | 11 | losing money |  |
| 2012-12 | 11 |  |  |
| 2013-03 | 11 |  |  |
| 2013-06 | 11 |  |  |
| 2013-09 | 7 | uninsured deposits leaving | leverage <7%, leverage <5%, construction >100% equity, losing money |
| 2013-12 | 7 |  |  |
| 2014-03 | 5 |  | noncurrent p90, reserve under noncurrent |
| 2014-06 | 6 | noncurrent p90, reserve under noncurrent | uninsured deposits leaving |
| 2014-09 | 4 |  | deposits shrinking, assets shrinking |
| 2014-12 | 3 |  | reserve under noncurrent |
| 2015-03 | 1 |  | charge-offs p90, expense ratio p90 |
| 2015-06 | 1 | expense ratio p90 | noncurrent p90 |
| 2015-09 | 1 |  |  |
| 2015-12 | 0 |  | expense ratio p90 |
| 2016-03 | 1 | expense ratio p90 |  |

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

- 2016-09-13 [Old National completes acquisition of AnchorBank - BizTimes - Milwaukee Business News](https://news.google.com/rss/articles/CBMiekFVX3lxTE0xbjlUYUlLRE9LamVoaVZxcWtYQnJodEdNaUhrZnhadDZaNUVBNFZDTU1xWU1mRndMVDNxVUZrVW15cENwM0Q3aVlWMk83MEJhNDNuZVFheW1HSlNuT1ZvNHcwN3dRLXU5OV9DRUlOWVQ2d2wzVTNja2lB?oc=5) · BizTimes - Milwaukee Business News
- 2016-01-12 [AnchorBank to be acquired by Old National for $461 million - BizTimes - Milwaukee Business News](https://news.google.com/rss/articles/CBMihgFBVV95cUxOS19zM1BwUV9NMkxqRF9lS29ZdFlQd3FkVzQtUlNteTNnaldmQldhVmJScU9EbVFHdHdxQnA4VWd4RDhlbkJIZUF2WEVoN0szNmpaYkNTN1gwVEVpcUd4RWl3VnZCeG15Z1pvay1QbnlNY0pvRkp2bC1sS0YxZE1rUHhuU2lRZw?oc=5) · BizTimes - Milwaukee Business News
- 2009-12-14 [Wisconsin Banking News - BizTimes - Milwaukee Business News](https://news.google.com/rss/articles/CBMiW0FVX3lxTE1Zc2RNeUpWNHNCMzhPUjNWdmY2UGNacGpxZWNYTEZHUVd1Sk1meE1DQnlXSVRMazZiSllNVVpiWWJEZElpN05fQ0NDMWt4Q05VODNoQUVmSXdhclU?oc=5) · BizTimes - Milwaukee Business News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=29979 (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/27.json (key "29979", 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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