# EAGLE VALLEY BANK NA
ST. CROIX FALLS, WI · FDIC certificate 5365 · asset band <$300M · latest filing 2018-03 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 4 (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 | $143.5M | |
| Deposits | $97.5M | |
| Loans and leases | $129.6M | |
| Total equity | $13.7M | |
| Loans / deposits | 131.40% (p100 of band) | 75.02% |
| Liquid assets / assets | 7.00% (p2 of band) | |
| Uninsured deposits / deposits | 7.48% (p16 of band) | 15.14% |
| Brokered deposits | 5.47% | |
| Wholesale funding | 27.60% (p98 of band) | |
| FHLB advances / assets | 22.13% | |
| Tier 1 leverage | 9.32% (p21 of band) | 11.04% |
| Unrealized securities loss / equity | -1.26% (p63 of band) | -2.21% |
| AOCI / equity | -0.12% (p79 of band) | |
| ROA (annualized) | 2.47% (p96 of band) | 0.95% |
| Net interest margin | 3.96% (p64 of band) | 3.73% |
| Efficiency ratio | 88.10% (p87 of band) | |
| Noncurrent loans | 0.09% (p24 of band) | 0.60% |
| Net charge-offs (annualized) | 0.49% (p97 of band) | |
| Reserve coverage of noncurrent | 1240.00% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 24.60% (p59 of band) | |
| Auto loans | $37,000 (0.03% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 5.9% | |
| Employees | 33 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)
- **liquid assets <10%** (`liq_thin`)
- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 8 | wholesale funding >15%, leverage <7%, leverage <5%, losing money, expense ratio p90, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 7 |  | noncurrent p90 |
| 2011-09 | 8 | capital falling |  |
| 2011-12 | 8 |  |  |
| 2012-03 | 10 | deposits shrinking, assets shrinking, uninsured deposits leaving | capital falling |
| 2012-06 | 10 |  |  |
| 2012-09 | 8 |  | leverage <5% |
| 2012-12 | 7 |  | assets shrinking |
| 2013-03 | 6 | assets shrinking | losing money, uninsured deposits leaving |
| 2013-06 | 5 |  | reserve under noncurrent |
| 2013-09 | 5 |  |  |
| 2013-12 | 5 |  |  |
| 2014-03 | 4 | reserve under noncurrent | deposits shrinking, assets shrinking |
| 2014-06 | 5 | losing money, uninsured deposits leaving | expense ratio p90 |
| 2014-09 | 4 |  | reserve under noncurrent |
| 2014-12 | 5 | expense ratio p90, assets shrinking | uninsured deposits leaving |
| 2015-03 | 4 | deposits shrinking, uninsured deposits leaving | leverage <7%, losing money, expense ratio p90 |
| 2015-06 | 1 |  | assets shrinking, deposits shrinking, uninsured deposits leaving |
| 2015-09 | 1 |  |  |
| 2015-12 | 3 | loans exceed deposits, capital falling |  |
| 2016-03 | 2 |  | capital falling |
| 2016-06 | 2 |  |  |
| 2016-09 | 3 | deposits shrinking |  |
| 2016-12 | 2 |  | deposits shrinking |
| 2017-03 | 3 | liquid assets <10% |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 2 |  | liquid assets <10% |
| 2017-12 | 3 | liquid assets <10% |  |
| 2018-03 | 4 | charge-offs p90 |  |

## 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=5365 (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 "5365", 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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