# EASTMAN NB OF NEWKIRK
NEWKIRK, OK · FDIC certificate 4156 · asset band <$300M · latest filing 2017-09 · 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 | $256.7M | |
| Deposits | $219.8M | |
| Loans and leases | $186.5M | |
| Total equity | $25.5M | |
| Loans / deposits | 83.12% (p63 of band) | 76.19% |
| Liquid assets / assets | 26.88% (p42 of band) | |
| Uninsured deposits / deposits | 23.81% (p81 of band) | 14.99% |
| Brokered deposits | 9.81% | |
| Wholesale funding | 13.96% (p89 of band) | |
| FHLB advances / assets | 0.39% | |
| Tier 1 leverage | 9.76% (p28 of band) | 11.02% |
| Unrealized securities loss / equity | -0.75% (p21 of band) | 0.02% |
| AOCI / equity | 1.11% (p56 of band) | |
| ROA (annualized) | 1.04% (p59 of band) | 0.90% |
| Net interest margin | 4.34% (p84 of band) | 3.71% |
| Efficiency ratio | 48.88% (p6 of band) | |
| Noncurrent loans | 2.47% (p86 of band) | 0.62% |
| Net charge-offs (annualized) | 0.07% (p71 of band) | |
| Reserve coverage of noncurrent | 82.17% | |
| Real estate % of loans | 68% | |
| Construction % of loans | 24.96% (p61 of band) | |
| Auto loans | $3.7M (2.00% of loans; DQ 3.65%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 5.3% | |
| Employees | 58 | |

## 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 | wholesale funding >15% |  |
| 2011-06 | 1 | reserve under noncurrent | wholesale funding >15% |
| 2011-09 | 1 |  |  |
| 2011-12 | 2 | capital falling |  |
| 2012-03 | 1 |  | capital falling |
| 2012-06 | 0 |  | reserve under noncurrent |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | capital falling |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 | wholesale funding >15% | capital falling |
| 2014-09 | 0 |  | wholesale funding >15% |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | capital falling |  |
| 2015-09 | 0 |  | capital falling |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 2 | wholesale funding >15%, uninsured deposits leaving |  |
| 2016-12 | 3 | brokered >10% |  |
| 2017-03 | 1 |  | wholesale funding >15%, brokered >10% |
| 2017-06 | 0 |  | uninsured deposits leaving |
| 2017-09 | 1 | reserve under noncurrent |  |

## 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=4156 (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/60.json (key "4156", 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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