# ADAMS COUNTY BLDG&L CO
WEST UNION, OH · FDIC certificate 32304 · asset band <$300M · latest filing 2018-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (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 | $21.6M | |
| Deposits | $17.1M | |
| Loans and leases | $14.6M | |
| Total equity | $4.4M | |
| Loans / deposits | 84.15% (p66 of band) | 75.02% |
| Liquid assets / assets | 29.05% (p46 of band) | |
| Uninsured deposits / deposits | 0.00% (p0 of band) | 15.14% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p19 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 20.47% (p94 of band) | 11.04% |
| Unrealized securities loss / equity | -1.17% (p64 of band) | -2.21% |
| AOCI / equity | 0.95% (p100 of band) | |
| ROA (annualized) | 0.84% (p43 of band) | 0.95% |
| Net interest margin | 4.35% (p83 of band) | 3.73% |
| Efficiency ratio | 79.28% (p72 of band) | |
| Noncurrent loans | 4.13% (p95 of band) | 0.60% |
| Net charge-offs (annualized) | 0.00% (p46 of band) | |
| Reserve coverage of noncurrent | 32.39% | |
| Real estate % of loans | 100% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -8.3% | |
| Employees | 5 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | uninsured deposits leaving |  |
| 2012-06 | 3 | noncurrent p90 |  |
| 2012-09 | 2 |  | noncurrent p90 |
| 2012-12 | 3 | noncurrent p90 |  |
| 2013-03 | 2 |  | uninsured deposits leaving |
| 2013-06 | 1 |  | noncurrent p90 |
| 2013-09 | 2 | noncurrent p90 |  |
| 2013-12 | 4 | deposits shrinking, assets shrinking |  |
| 2014-03 | 4 |  |  |
| 2014-06 | 5 | expense ratio p90 |  |
| 2014-09 | 5 | capital falling | assets shrinking |
| 2014-12 | 2 |  | deposits shrinking, expense ratio p90, capital falling |
| 2015-03 | 2 |  |  |
| 2015-06 | 3 | expense ratio p90 |  |
| 2015-09 | 2 |  | expense ratio p90 |
| 2015-12 | 2 |  |  |
| 2016-03 | 3 | expense ratio p90 |  |
| 2016-06 | 2 |  | expense ratio p90 |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | deposits shrinking |  |
| 2017-06 | 4 | assets shrinking |  |
| 2017-09 | 4 |  |  |
| 2017-12 | 4 |  |  |
| 2018-03 | 4 |  |  |

## 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=32304 (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/48.json (key "32304", 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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