# TEXAS SAVINGS BANK
SNYDER, TX · FDIC certificate 30951 · asset band <$300M · latest filing 2014-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 6 (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 | $74.2M | |
| Deposits | $69.1M | |
| Loans and leases | $31.8M | |
| Total equity | $4.9M | |
| Loans / deposits | 41.91% (p11 of band) | 71.36% |
| Liquid assets / assets | 55.98% (p85 of band) | |
| Uninsured deposits / deposits | 14.95% (p60 of band) | 12.72% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p17 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 6.56% (p3 of band) | 10.52% |
| Unrealized securities loss / equity | 0.00% (p41 of band) | 0.17% |
| AOCI / equity | 0.00% (p16 of band) | |
| ROA (annualized) | -1.86% (p2 of band) | 0.81% |
| Net interest margin | 2.97% (p17 of band) | 3.65% |
| Efficiency ratio | 177.20% (p99 of band) | |
| Noncurrent loans | 9.06% (p99 of band) | 0.86% |
| Net charge-offs (annualized) | 0.00% (p22 of band) | |
| Reserve coverage of noncurrent | 97.85% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $180,000 (0.57% of loans; DQ 10.00%, NCO -0.02%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 1.1% | |
| Employees | 18 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | leverage <7%, losing money, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 5 | charge-offs p90 |  |
| 2011-09 | 5 |  |  |
| 2011-12 | 7 | leverage <5% |  |
| 2012-03 | 8 | deposits shrinking, assets shrinking, uninsured deposits leaving | losing money, charge-offs p90 |
| 2012-06 | 9 | losing money |  |
| 2012-09 | 7 |  | leverage <5% |
| 2012-12 | 5 |  | uninsured deposits leaving, losing money |
| 2013-03 | 6 | expense ratio p90 |  |
| 2013-06 | 5 |  | leverage <7% |
| 2013-09 | 7 | charge-offs p90, uninsured deposits leaving |  |
| 2013-12 | 6 |  | uninsured deposits leaving |
| 2014-03 | 7 | capital falling, losing money, uninsured deposits leaving | reserve under noncurrent, charge-offs p90 |
| 2014-06 | 6 |  | uninsured deposits leaving |
| 2014-09 | 6 | leverage <7%, reserve under noncurrent | deposits shrinking, assets shrinking |

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

- 2013-10-17 [JIM MORSE NAMED EXECUTIVE VICE PRESIDENT FOR WORTHINGTON NATIONAL BANK - Corning Leader](https://news.google.com/rss/articles/CBMilwFBVV95cUxNTEdIVFBkYXUwRE5CbVRSTy1La28xNHZyd3E3b2Rsd3ZQdmpfX2ZZaFluUFlmSDAxaHNOUE9Tc0dqTlFIMUdiTUFZX205bUNWVTlMU1V1TnlIbkxLdlVYWnBVZVJyYWNvOV9GNTJZdzBDWTZhT2ZpMjNwRUhvN1RsT2thbER2ODlzbzFiYjduRGRnRjZxbmNn?oc=5) · Corning Leader
- 2015-06-01 [FirstBank & Trust acquiring FNB in Colorado City - KCBD](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNZ19mWE1EOGFTWjNpMUdGcXNYb2xhZTFsLUVwRU8tU2Y4M1l4R05vY21zVUV6MzJsd1dSSHdpcDJqZ3VUdUlVS1A3SUFrN3VzSF9HWUVZbWNXbmstV2ZHTkw1bW5uM1NLNFcwbDU3NUxkd05IR1BBa3l0Y0FZVXZCaWo4MHlKc3M3LXJr0gGeAUFVX3lxTFBIVFV0cmJ4ZXg3bWs3cFpmZUVzQzA2b2R5b0cwQVNsczdRaWJDc0RBYlJoYW83endfLWRrZkpxYnBzaXVGbEhTb2JfVjJMTnJoVkF3dUdJeExURzQxYUVBcU9CYzNqVGFZN1hENkgyd0h3TG12ek9Oc3JhZWNLdU05RzBFb2lndjJSQ0V4MThsNlk5UHJmVGdHZklxeXRB?oc=5) · KCBD

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=30951 (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/39.json (key "30951", 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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