# FIRST NATIONAL BANK OF ODON
ODON, IN · FDIC certificate 4405 · asset band <$300M · latest filing 2017-12 · 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 | $106.0M | |
| Deposits | $97.9M | |
| Loans and leases | $35.3M | |
| Total equity | $7.7M | |
| Loans / deposits | 35.44% (p7 of band) | 75.88% |
| Liquid assets / assets | 63.49% (p92 of band) | |
| Uninsured deposits / deposits | 7.77% (p17 of band) | 15.42% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 7.98% (p4 of band) | 10.88% |
| Unrealized securities loss / equity | -10.12% (p1 of band) | -0.66% |
| AOCI / equity | 2.73% (p95 of band) | |
| ROA (annualized) | 0.65% (p36 of band) | 0.85% |
| Net interest margin | 2.93% (p13 of band) | 3.74% |
| Efficiency ratio | 75.03% (p61 of band) | |
| Noncurrent loans | 0.07% (p23 of band) | 0.56% |
| Net charge-offs (annualized) | 0.03% (p52 of band) | |
| Reserve coverage of noncurrent | 2338.46% | |
| Real estate % of loans | 72% | |
| Construction % of loans | 3.92% (p25 of band) | |
| Auto loans | $1.6M (4.48% of loans; DQ 2.09%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 9.8% | |
| Employees | 22 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## 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 | 1 | uninsured deposits leaving | reserve under noncurrent |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | uninsured deposits leaving |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | uninsured deposits leaving |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 0 |  | uninsured deposits leaving |
| 2014-12 | 2 | capital falling, uninsured deposits leaving |  |
| 2015-03 | 0 |  | capital falling, uninsured deposits leaving |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | capital falling |  |

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

- 2020-01-02 [Doris V. (Franklin) Bowers Ainscough Obituary Jan 2, 2020 - Meng Family Funeral Homes](https://news.google.com/rss/articles/CBMif0FVX3lxTE9MdG1pUXpDS1JVM2RSbmtsQkVEckFlWDNsZ0VXbUgwcXk4WFd6VVFoNXYtUTkwX2gzWndtal9YMy1HcDQ2VDg0dkRNXzRZTjAyZ25vZW5BVUdZR2xsN1ViZHJ3TlJKQlp3WHB6Q2ZXc0VvUkh0TTQwNHo3cTk3a2M?oc=5) · Meng Family Funeral Homes
- 2018-10-30 [First Savings takes on $20 million more in debt — here's why - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQanE0Y1BZMTNfaUMtVEZHRl9GSk5SY056UExnQzRrQ0tTMGdva05UZDNvcHk4N0RJTzJndi1Gb2NDRk5XTjhHb01TWEVKZHFMd1BHZXRhMGpCNEpQVHA1VWNZdHRnUVlUUUlXUW5SRGU0Szl6NVRUUHFJdDlKZjFwaG9aYjJhcFhsemFndkpmWXNFMFJRX0pKemFFd25BcWozc0IwT3oybUR3QQ?oc=5) · The Business Journals
- 2017-08-17 [Heartland Data Breach Update: Thousands of Institutions Impacted - BankInfoSecurity](https://news.google.com/rss/articles/CBMiogFBVV95cUxNWVEyRWhPeVlpYXZaX19sN1VhVk5zZ1RJb2xUMlNFUmhWdnU2c1NxVXRJcVBxYTJXM0ptVjFreVRaQjJQNkdoQmFKWmQxU3ZNMU5ROGRsbVVreFdIeUhHMmEwSjdnaHVoaDd3ZmhWQmdDX1huU3UyeFlYakxsMW1DTEJEMmVsR3BLelpjd0xENjB1eFBqOXFFcFdtc1lqVE44YlE?oc=5) · BankInfoSecurity
- 2020-12-14 [Joe Mason Dearmin Obituary Dec 14, 2020 - Meng Family Funeral Homes](https://news.google.com/rss/articles/CBMiZEFVX3lxTFA4UDF3ZHhmTjV4MnNudlVKck1sSlVyRnJzS0dTaERJQ1dwby1HLWVNbk5EVW9XdHFla3JwS2I1a3hQVjE2WDNSRV9xa0tMaXZRbmZHYlVNd3hXS0ZmQTVaRXZ0TjM?oc=5) · Meng Family Funeral Homes
- 2019-05-01 [Danny Lee Merkel Obituary May 1, 2019 - Meng Family Funeral Homes](https://news.google.com/rss/articles/CBMiZkFVX3lxTE1QeUhENE00WkU5RG5jemJ4azVEMjNnS0lZRm9sOGkxODNoZFF3cG1GLXlJV2NlOGFPR2ZSTWR6akdUcUl4RThlWEc1YmRZTzNYSzA2N3lXUVNXU1ZaZ0dzV0ZVb2J6UQ?oc=5) · Meng Family Funeral Homes

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4405 (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/53.json (key "4405", 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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