# OLD NATIONAL TRUST CO
MUNCIE, IN · FDIC certificate 33001 · asset band <$300M · latest filing 2014-06 · 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 | $21.9M | |
| Deposits | $0 | |
| Loans and leases | $0 | |
| Total equity | $15.8M | |
| Loans / deposits | 0.00% (p1 of band) | 70.22% |
| Liquid assets / assets | 36.88% (p54 of band) | |
| Uninsured deposits / deposits | – | 12.36% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 93.11% (p99 of band) | 10.41% |
| Unrealized securities loss / equity | -0.16% (p33 of band) | 0.24% |
| AOCI / equity | 0.45% (p32 of band) | |
| ROA (annualized) | 9.04% (p99 of band) | 0.79% |
| Net interest margin | 0.57% (p1 of band) | 3.62% |
| Efficiency ratio | 87.57% (p79 of band) | |
| Noncurrent loans | 0.00% (p6 of band) | 0.88% |
| Net charge-offs (annualized) | 0.00% (p33 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | – | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $0 (– of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | – | |
| Employees | 125 | |

## Flags firing in the latest filing

- **NIM <2.5%** (`earn_nim`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | NIM <2.5% |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 3 | losing money, expense ratio p90 |  |
| 2011-12 | 3 |  |  |
| 2012-03 | 1 |  | losing money, expense ratio p90 |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | capital falling |  |
| 2013-03 | 1 |  | capital falling |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | capital falling |  |
| 2014-06 | 1 |  | capital falling |

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

- 2012-06-04 [Monroe County property transfers - The Herald-Times](https://news.google.com/rss/articles/CBMipgFBVV95cUxPVXphQTNXLTF6THl4amdGcmZKUklidERkbk52Wk5Wdm1CazlqQXdrMWtmeHN4UFduZ0x0RnVEY1Y3LTdzMVo0TTNvMktxQzBuUlo3Z2V5SW41Q1NfdU5BMGRJRlo0WDJGZXVIZ2g0YzRsajc5TzZ4WWhCVGxadUNqWFIxUVBOeUFyZEFONmF2OHJMNXhxVlBhcUlvbm5lRlJsVUNoU2pB?oc=5) · The Herald-Times

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=33001 (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/41.json (key "33001", 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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