# SOUTH CNTL BK HARDIN CNTY
ELIZABETHTOWN, KY · FDIC certificate 33977 · asset band <$300M · latest filing 2014-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $82.7M | |
| Deposits | $66.0M | |
| Loans and leases | $61.1M | |
| Total equity | $9.2M | |
| Loans / deposits | 91.25% (p84 of band) | 71.50% |
| Liquid assets / assets | 24.51% (p30 of band) | |
| Uninsured deposits / deposits | 10.91% (p39 of band) | 13.21% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 8.63% (p80 of band) | |
| FHLB advances / assets | 6.51% | |
| Tier 1 leverage | 11.08% (p60 of band) | 10.45% |
| Unrealized securities loss / equity | -2.43% (p7 of band) | 0.49% |
| AOCI / equity | 5.65% (p81 of band) | |
| ROA (annualized) | 0.39% (p22 of band) | 0.81% |
| Net interest margin | 3.47% (p39 of band) | 3.66% |
| Efficiency ratio | 84.69% (p75 of band) | |
| Noncurrent loans | 2.27% (p80 of band) | 0.76% |
| Net charge-offs (annualized) | 0.04% (p50 of band) | |
| Reserve coverage of noncurrent | 65.58% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 75.01% (p90 of band) | |
| Auto loans | $832,000 (1.36% of loans; DQ 1.32%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -2.1% | |
| Employees | 13 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 2 | noncurrent p90 |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 4 | capital falling, uninsured deposits leaving |  |
| 2012-06 | 2 |  | noncurrent p90, uninsured deposits leaving |
| 2012-09 | 1 |  | capital falling |
| 2012-12 | 2 | losing money |  |
| 2013-03 | 1 |  | losing money |
| 2013-06 | 3 | deposits shrinking, assets shrinking |  |
| 2013-09 | 3 |  |  |
| 2013-12 | 3 |  |  |
| 2014-03 | 1 | capital falling | reserve under noncurrent, deposits shrinking, assets shrinking |
| 2014-06 | 1 | reserve under noncurrent | capital falling |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |

## 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=33977 (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/57.json (key "33977", 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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