# CABARRUS BANK&TRUST CO
CONCORD, NC · FDIC certificate 57545 · asset band <$300M · latest filing 2013-06 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (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 | $126.3M | |
| Deposits | $113.9M | |
| Loans and leases | $70.6M | |
| Total equity | $11.7M | |
| Loans / deposits | 61.01% (p36 of band) | 68.67% |
| Liquid assets / assets | 40.11% (p60 of band) | |
| Uninsured deposits / deposits | 24.39% (p89 of band) | 11.61% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.04% (p36 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.42% (p36 of band) | 10.18% |
| Unrealized securities loss / equity | -3.43% (p23 of band) | -0.21% |
| AOCI / equity | -4.10% (p39 of band) | |
| ROA (annualized) | 0.36% (p23 of band) | 0.77% |
| Net interest margin | 3.29% (p33 of band) | 3.59% |
| Efficiency ratio | 90.43% (p82 of band) | |
| Noncurrent loans | 1.38% (p56 of band) | 1.13% |
| Net charge-offs (annualized) | 0.16% (p73 of band) | |
| Reserve coverage of noncurrent | 114.72% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 38.31% (p74 of band) | |
| Auto loans | $123,000 (0.17% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 1.8% | |
| Employees | 17 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 2 | charge-offs p90 | losing money, reserve under noncurrent |
| 2011-09 | 1 |  | construction >100% equity |
| 2011-12 | 3 | capital falling, reserve under noncurrent |  |
| 2012-03 | 3 | losing money | capital falling |
| 2012-06 | 1 |  | charge-offs p90, losing money |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 | capital falling | reserve under noncurrent |
| 2013-03 | 0 |  | capital falling |
| 2013-06 | 0 |  |  |

## 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=57545 (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/9.json (key "57545", 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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