# SENECA NATIONAL BANK
SENECA, SC · FDIC certificate 35079 · asset band <$300M · latest filing 2012-03 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (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 | $80.7M | |
| Deposits | $69.6M | |
| Loans and leases | $40.0M | |
| Total equity | $8.9M | |
| Loans / deposits | 56.27% (p29 of band) | 67.95% |
| Liquid assets / assets | 46.06% (p70 of band) | |
| Uninsured deposits / deposits | 4.57% (p26 of band) | 8.38% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.31% (p53 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.62% (p44 of band) | 9.95% |
| Unrealized securities loss / equity | 14.40% (p95 of band) | 2.77% |
| AOCI / equity | -0.43% (p22 of band) | |
| ROA (annualized) | 4.89% (p99 of band) | 0.78% |
| Net interest margin | 3.55% (p38 of band) | 3.77% |
| Efficiency ratio | 34.95% (p1 of band) | |
| Noncurrent loans | 0.62% (p32 of band) | 1.40% |
| Net charge-offs (annualized) | 0.13% (p68 of band) | |
| Reserve coverage of noncurrent | 360.48% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 36.09% (p71 of band) | |
| Auto loans | $100,000 (0.25% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 4.4% | |
| Employees | 16 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 1 | capital falling |  |
| 2012-03 | 0 |  | capital falling |

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

- 2004-04-11 [Robert Dye Obituary (2004) - Easley, SC - The Greenville News - legacy.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxONkE2RWRodnREbFJGb2hlclM5b3p4LXM3VzlmRURtY01SOW95eUdqVHpnQUVSYl9rUXE2cnAzUjZiX0hmODh2MkhzODliMzNjaVdMZ2hSNXBQUjFHYVZzX0M5SDBIejByQ0dxdlV4LW9HVXhYdWpYdUZ5RDJVcVpwUnl1MkwweGdhMnlEMG5qNFNxTmJS?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35079 (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/7.json (key "35079", 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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