# ANSON BANK&TRUST CO
WADESBORO, NC · FDIC certificate 30079 · asset band <$300M · latest filing 2013-06 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $64.1M | |
| Deposits | $57.6M | |
| Loans and leases | $35.0M | |
| Total equity | $6.2M | |
| Loans / deposits | 59.96% (p34 of band) | 68.67% |
| Liquid assets / assets | 39.98% (p59 of band) | |
| Uninsured deposits / deposits | 21.01% (p83 of band) | 11.61% |
| Brokered deposits | 6.13% | |
| Wholesale funding | 6.13% (p73 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.24% (p51 of band) | 10.18% |
| Unrealized securities loss / equity | 0.06% (p63 of band) | -0.21% |
| AOCI / equity | -2.12% (p56 of band) | |
| ROA (annualized) | 0.91% (p60 of band) | 0.77% |
| Net interest margin | 3.70% (p56 of band) | 3.59% |
| Efficiency ratio | 99.54% (p91 of band) | |
| Noncurrent loans | 1.00% (p47 of band) | 1.13% |
| Net charge-offs (annualized) | -0.01% (p14 of band) | |
| Reserve coverage of noncurrent | 134.10% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 46.61% (p79 of band) | |
| Auto loans | $124,000 (0.35% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 12.5% | |
| Employees | 8 | |

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 1 | wholesale funding >15% |  |
| 2011-12 | 0 |  | wholesale funding >15% |
| 2012-03 | 1 | reserve under noncurrent |  |
| 2012-06 | 1 | capital falling | reserve under noncurrent |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 | losing money | capital falling |
| 2013-03 | 0 |  | losing money |
| 2013-06 | 1 | 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=30079 (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/63.json (key "30079", 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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