# MORRIS PLAN TERRE HAUTE
TERRE HAUTE, IN · FDIC certificate 32907 · asset band <$300M · latest filing 2021-12 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 8 (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 | $123.7M | |
| Deposits | $86.6M | |
| Loans and leases | $122.3M | |
| Total equity | $34.0M | |
| Loans / deposits | 133.77% (p100 of band) | 61.86% |
| Liquid assets / assets | 2.40% (p0 of band) | |
| Uninsured deposits / deposits | 7.16% (p8 of band) | 19.57% |
| Brokered deposits | 14.11% | |
| Wholesale funding | 16.21% (p96 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 27.45% (p96 of band) | 10.43% |
| Unrealized securities loss / equity | 0.03% (p57 of band) | 0.00% |
| AOCI / equity | -0.05% (p82 of band) | |
| ROA (annualized) | 5.92% (p98 of band) | 0.96% |
| Net interest margin | 12.19% (p100 of band) | 3.26% |
| Efficiency ratio | 26.57% (p1 of band) | |
| Noncurrent loans | 0.65% (p67 of band) | 0.28% |
| Net charge-offs (annualized) | 0.15% (p93 of band) | |
| Reserve coverage of noncurrent | 821.11% | |
| Real estate % of loans | 1% | |
| Construction % of loans | 0.00% (p8 of band) | |
| Auto loans | $119.7M (97.86% of loans; DQ 2.83%, NCO 0.11%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -5.1% | |
| Employees | 28 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **liquid assets <10%** (`liq_thin`)
- **charge-offs p90** (`aq_nco`)
- **auto book souring** (`conc_auto`)
- **deposits shrinking** (`shrink_deposits`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | loans exceed deposits, liquid assets <10%, charge-offs p90, auto book souring |  |
| 2011-06 | 4 |  |  |
| 2011-09 | 4 |  |  |
| 2011-12 | 4 |  |  |
| 2012-03 | 3 |  | liquid assets <10% |
| 2012-06 | 4 | liquid assets <10% |  |
| 2012-09 | 4 |  |  |
| 2012-12 | 3 |  | liquid assets <10% |
| 2013-03 | 3 |  |  |
| 2013-06 | 4 | liquid assets <10% |  |
| 2013-09 | 6 | deposits shrinking, uninsured deposits leaving |  |
| 2013-12 | 5 |  | uninsured deposits leaving |
| 2014-03 | 6 | uninsured deposits leaving |  |
| 2014-06 | 3 |  | liquid assets <10%, deposits shrinking, uninsured deposits leaving |
| 2014-09 | 3 |  |  |
| 2014-12 | 3 |  |  |
| 2015-03 | 3 |  |  |
| 2015-06 | 4 | liquid assets <10% |  |
| 2015-09 | 5 | uninsured deposits leaving |  |
| 2015-12 | 5 |  |  |
| 2016-03 | 5 |  |  |
| 2016-06 | 4 |  | uninsured deposits leaving |
| 2016-09 | 4 |  |  |
| 2016-12 | 4 |  |  |
| 2017-03 | 3 |  | liquid assets <10% |
| 2017-06 | 3 |  |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 6 | liquid assets <10%, deposits shrinking, uninsured deposits leaving |  |
| 2018-06 | 6 |  |  |
| 2018-09 | 5 |  | uninsured deposits leaving |
| 2018-12 | 4 |  | deposits shrinking |
| 2019-03 | 4 |  |  |
| 2019-06 | 5 | capital falling |  |
| 2019-09 | 5 |  |  |
| 2019-12 | 5 |  |  |
| 2020-03 | 5 |  |  |
| 2020-06 | 7 | brokered >10%, wholesale funding >15% |  |
| 2020-09 | 6 |  | wholesale funding >15% |
| 2020-12 | 5 |  | capital falling |
| 2021-03 | 6 | wholesale funding >15% |  |
| 2021-06 | 6 |  |  |
| 2021-09 | 7 | uninsured deposits leaving |  |
| 2021-12 | 8 | deposits shrinking |  |

## 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=32907 (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/11.json (key "32907", 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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