# BANK OF ANDERSON NA
ANDERSON, SC · FDIC certificate 34830 · asset band <$300M · latest filing 2012-03 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $138.7M | |
| Deposits | $122.5M | |
| Loans and leases | $62.2M | |
| Total equity | $15.1M | |
| Loans / deposits | 49.77% (p20 of band) | 67.95% |
| Liquid assets / assets | 46.22% (p71 of band) | |
| Uninsured deposits / deposits | 5.54% (p33 of band) | 8.38% |
| Brokered deposits | 4.79% | |
| Wholesale funding | 5.22% (p68 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.93% (p31 of band) | 9.95% |
| Unrealized securities loss / equity | 15.35% (p96 of band) | 2.77% |
| AOCI / equity | -0.39% (p23 of band) | |
| ROA (annualized) | 1.29% (p76 of band) | 0.78% |
| Net interest margin | 3.90% (p59 of band) | 3.77% |
| Efficiency ratio | 66.28% (p34 of band) | |
| Noncurrent loans | 2.84% (p71 of band) | 1.40% |
| Net charge-offs (annualized) | 0.54% (p86 of band) | |
| Reserve coverage of noncurrent | 71.74% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 39.71% (p73 of band) | |
| Auto loans | $197,000 (0.32% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -7.7% | |
| Employees | 29 | |

## Flags firing in the latest filing

- **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 | 3 | deposits shrinking, assets 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=34830 (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/14.json (key "34830", 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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