# FRANKLIN COMMUNITY BANK NA
ROCKY MOUNT, VA · FDIC certificate 57259 · asset band <$300M · latest filing 2014-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 2 (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 | $163.6M | |
| Deposits | $137.2M | |
| Loans and leases | $123.0M | |
| Total equity | $23.8M | |
| Loans / deposits | 88.77% (p80 of band) | 71.50% |
| Liquid assets / assets | 22.41% (p25 of band) | |
| Uninsured deposits / deposits | 15.59% (p60 of band) | 13.21% |
| Brokered deposits | 2.37% | |
| Wholesale funding | 2.37% (p52 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 14.45% (p86 of band) | 10.45% |
| Unrealized securities loss / equity | 1.36% (p64 of band) | 0.49% |
| AOCI / equity | -0.26% (p5 of band) | |
| ROA (annualized) | 0.62% (p37 of band) | 0.81% |
| Net interest margin | 3.92% (p66 of band) | 3.66% |
| Efficiency ratio | 76.74% (p57 of band) | |
| Noncurrent loans | 1.46% (p68 of band) | 0.76% |
| Net charge-offs (annualized) | 0.79% (p97 of band) | |
| Reserve coverage of noncurrent | 67.63% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 61.78% (p86 of band) | |
| Auto loans | $362,000 (0.29% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -4.3% | |
| Employees | 28 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | losing money, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 4 |  |  |
| 2011-09 | 4 |  |  |
| 2011-12 | 3 |  | charge-offs p90 |
| 2012-03 | 5 | charge-offs p90, deposits shrinking, assets shrinking | losing money |
| 2012-06 | 4 |  | construction >100% equity |
| 2012-09 | 4 | construction >100% equity | charge-offs p90 |
| 2012-12 | 3 | uninsured deposits leaving | reserve under noncurrent, construction >100% equity |
| 2013-03 | 3 | charge-offs p90 | uninsured deposits leaving |
| 2013-06 | 4 | losing money, reserve under noncurrent | deposits shrinking |
| 2013-09 | 4 | deposits shrinking | losing money |
| 2013-12 | 4 |  |  |
| 2014-03 | 3 |  | charge-offs p90 |
| 2014-06 | 3 |  |  |
| 2014-09 | 2 |  | assets shrinking |
| 2014-12 | 2 | charge-offs p90 | deposits shrinking |

## 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=57259 (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/43.json (key "57259", 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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