# CENTRAL BANK OF AUDRAIN CNTY
MEXICO, MO · FDIC certificate 4551 · asset band <$300M · latest filing 2021-09 · 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 | $225.0M | |
| Deposits | $199.8M | |
| Loans and leases | $86.1M | |
| Total equity | $17.5M | |
| Loans / deposits | 42.17% (p18 of band) | 63.26% |
| Liquid assets / assets | 60.85% (p83 of band) | |
| Uninsured deposits / deposits | 30.71% (p84 of band) | 18.86% |
| Brokered deposits | 0.86% | |
| Wholesale funding | 4.07% (p75 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 7.01% (p2 of band) | 10.61% |
| Unrealized securities loss / equity | 1.17% (p57 of band) | 0.71% |
| AOCI / equity | -1.63% (p36 of band) | |
| ROA (annualized) | 1.00% (p48 of band) | 1.03% |
| Net interest margin | 2.27% (p11 of band) | 3.29% |
| Efficiency ratio | 54.89% (p20 of band) | |
| Noncurrent loans | 0.98% (p74 of band) | 0.32% |
| Net charge-offs (annualized) | -0.02% (p15 of band) | |
| Reserve coverage of noncurrent | 213.95% | |
| Real estate % of loans | 71% | |
| Construction % of loans | 23.54% (p63 of band) | |
| Auto loans | $3.8M (4.38% of loans; DQ 1.03%, NCO 0.00%) | |
| Loans to nondepository financials | $1.8M (10% of equity) (p99 of band) | |
| Deposits YoY | 12.2% | |
| Employees | 20 | |

## Flags firing in the latest filing

- **NIM <2.5%** (`earn_nim`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | wholesale funding >15% |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 0 |  | wholesale funding >15% |
| 2012-03 | 2 | wholesale funding >15%, reserve under noncurrent |  |
| 2012-06 | 2 | capital falling | reserve under noncurrent |
| 2012-09 | 1 |  | capital falling |
| 2012-12 | 0 |  | wholesale funding >15% |
| 2013-03 | 1 | assets shrinking |  |
| 2013-06 | 0 |  | assets shrinking |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | deposits shrinking |  |
| 2014-03 | 0 |  | deposits shrinking |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | assets shrinking |  |
| 2014-12 | 0 |  | assets shrinking |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 | reserve under noncurrent | capital falling |
| 2016-09 | 0 |  | reserve under noncurrent |
| 2016-12 | 1 | capital falling |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 1 | charge-offs p90 |  |
| 2017-12 | 0 |  | charge-offs p90 |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | assets shrinking |  |
| 2018-09 | 0 |  | assets shrinking |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | capital falling |  |
| 2019-06 | 0 |  | capital falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 2 | leverage <7% |  |
| 2020-06 | 0 |  | capital falling, leverage <7% |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 3 | leverage <7%, capital falling, NIM <2.5% |  |
| 2021-06 | 2 |  | capital falling |
| 2021-09 | 1 |  | leverage <7% |

## 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=4551 (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 "4551", 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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