# LONE SUMMIT BANK
LAKE LOTAWANA, MO · FDIC certificate 57842 · asset band <$300M · latest filing 2012-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 9 (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 | $21.4M | |
| Deposits | $20.7M | |
| Loans and leases | $10.5M | |
| Total equity | $639,000 | |
| Loans / deposits | 49.05% (p18 of band) | 69.20% |
| Liquid assets / assets | 40.74% (p62 of band) | |
| Uninsured deposits / deposits | 1.76% (p8 of band) | 8.50% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 2.79% (p1 of band) | 10.13% |
| Unrealized securities loss / equity | 2.03% (p35 of band) | 3.81% |
| AOCI / equity | 2.19% (p86 of band) | |
| ROA (annualized) | -1.80% (p3 of band) | 0.80% |
| Net interest margin | 3.08% (p17 of band) | 3.77% |
| Efficiency ratio | 166.00% (p99 of band) | |
| Noncurrent loans | 2.99% (p75 of band) | 1.27% |
| Net charge-offs (annualized) | 2.10% (p98 of band) | |
| Reserve coverage of noncurrent | 108.92% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 262.91% (p99 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -18.9% | |
| Employees | 4 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **charge-offs p90** (`aq_nco`)
- **construction >100% equity** (`conc_construction`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 6 | leverage <7%, losing money, expense ratio p90, noncurrent p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 9 | leverage <5%, charge-offs p90 |  |
| 2011-09 | 10 | capital falling |  |
| 2011-12 | 10 |  |  |
| 2012-03 | 9 | deposits shrinking, assets shrinking, uninsured deposits leaving | losing money, expense ratio p90, charge-offs p90, capital falling |
| 2012-06 | 9 |  |  |
| 2012-09 | 9 | losing money, expense ratio p90, charge-offs p90 | noncurrent p90, reserve under noncurrent, uninsured deposits leaving |

## In the news (Google News, unfiltered, newest first; check the city)

- 2017-08-17 [Heartland Data Breach Update: Thousands of Institutions Impacted - BankInfoSecurity](https://news.google.com/rss/articles/CBMiogFBVV95cUxNWVEyRWhPeVlpYXZaX19sN1VhVk5zZ1RJb2xUMlNFUmhWdnU2c1NxVXRJcVBxYTJXM0ptVjFreVRaQjJQNkdoQmFKWmQxU3ZNMU5ROGRsbVVreFdIeUhHMmEwSjdnaHVoaDd3ZmhWQmdDX1huU3UyeFlYakxsMW1DTEJEMmVsR3BLelpjd0xENjB1eFBqOXFFcFdtc1lqVE44YlE?oc=5) · BankInfoSecurity

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57842 (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/50.json (key "57842", 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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