# COMMUNITY NB LAKEWAY AREA
MORRISTOWN, TN · FDIC certificate 57445 · asset band <$300M · latest filing 2014-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. 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 | $116.5M | |
| Deposits | $97.4M | |
| Loans and leases | $60.4M | |
| Total equity | $11.1M | |
| Loans / deposits | 61.15% (p35 of band) | 70.22% |
| Liquid assets / assets | 42.66% (p65 of band) | |
| Uninsured deposits / deposits | 13.14% (p54 of band) | 12.36% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 6.67% (p74 of band) | |
| FHLB advances / assets | 4.29% | |
| Tier 1 leverage | 8.68% (p18 of band) | 10.41% |
| Unrealized securities loss / equity | -5.86% (p7 of band) | 0.24% |
| AOCI / equity | 5.50% (p85 of band) | |
| ROA (annualized) | -0.57% (p4 of band) | 0.79% |
| Net interest margin | 3.32% (p33 of band) | 3.62% |
| Efficiency ratio | 116.73% (p97 of band) | |
| Noncurrent loans | 1.88% (p72 of band) | 0.88% |
| Net charge-offs (annualized) | 0.08% (p70 of band) | |
| Reserve coverage of noncurrent | 72.07% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 33.16% (p71 of band) | |
| Auto loans | $1.2M (1.96% of loans; DQ 0.34%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 8.8% | |
| Employees | 30 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 3 | losing money, expense ratio p90 |  |
| 2011-09 | 1 | capital falling | reserve under noncurrent, losing money, expense ratio p90 |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 | expense ratio p90 | capital falling |
| 2012-06 | 1 |  |  |
| 2012-09 | 2 | losing money |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 3 | deposits shrinking, assets shrinking | losing money |
| 2013-06 | 1 |  | expense ratio p90, deposits shrinking |
| 2013-09 | 1 | expense ratio p90 | assets shrinking |
| 2013-12 | 1 |  |  |
| 2014-03 | 3 | capital falling, losing money |  |
| 2014-06 | 4 | 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=57445 (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/37.json (key "57445", 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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