# ALARION BANK
OCALA, FL · FDIC certificate 57845 · asset band <$300M · latest filing 2014-06 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $282.8M | |
| Deposits | $237.2M | |
| Loans and leases | $217.0M | |
| Total equity | $24.8M | |
| Loans / deposits | 89.81% (p84 of band) | 70.22% |
| Liquid assets / assets | 16.77% (p12 of band) | |
| Uninsured deposits / deposits | 9.51% (p36 of band) | 12.36% |
| Brokered deposits | 1.24% | |
| Wholesale funding | 8.27% (p79 of band) | |
| FHLB advances / assets | 4.60% | |
| Tier 1 leverage | 8.03% (p9 of band) | 10.41% |
| Unrealized securities loss / equity | -0.41% (p29 of band) | 0.24% |
| AOCI / equity | 2.20% (p61 of band) | |
| ROA (annualized) | 0.55% (p33 of band) | 0.79% |
| Net interest margin | 3.44% (p39 of band) | 3.62% |
| Efficiency ratio | 81.43% (p68 of band) | |
| Noncurrent loans | 0.24% (p26 of band) | 0.88% |
| Net charge-offs (annualized) | 0.06% (p65 of band) | |
| Reserve coverage of noncurrent | 775.29% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 87.57% (p94 of band) | |
| Auto loans | $199,000 (0.09% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -3.5% | |
| Employees | 91 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 4 | leverage <7%, losing money |  |
| 2011-09 | 3 |  | construction >100% equity |
| 2011-12 | 3 |  |  |
| 2012-03 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving | losing money |
| 2012-06 | 4 | charge-offs p90 | leverage <7%, uninsured deposits leaving |
| 2012-09 | 3 |  | reserve under noncurrent |
| 2012-12 | 1 |  | deposits shrinking, assets shrinking |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 0 |  | charge-offs p90 |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |

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

- 2014-04-22 [Alarion Bank and HeritageBank of the South announce merger - Ocala StarBanner](https://news.google.com/rss/articles/CBMitgFBVV95cUxQaUMzR09tMjlTb21XY0VKbWdhdEFpY0Nqc0NHZVF1MWhQX3NBbjdYcmlfMnd2NGIyMWlCQkYxam1MMmZuRXdnRkc5TWJCczhINlhDOWVYOVRYS0tQbDRoSUd3OHpkM0pQVU8yZVlvWGZDalRWWXR5YUZFNHIxaGduMkJzMjZiRThBNHJUcGc0M0hvVjRMSW9mLW1lOUd2S09QdWRlbVl6ZjZ2amUwelMzbGw0MS14QQ?oc=5) · Ocala StarBanner
- 2008-09-24 [C.B. Daniel, city leader and UF grad, dies at 69 - Gainesville Sun](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQdktpTnBkSnpxLWRoVzBvRFliTHM2Qy1PdEpFd2VZQzcyTEFZYzVYRC15RVNUeWQ2WF9RdUNvY3dGUVdySGo1MVRnQ0pRbnpuSHpzQXZGOWdJTzZMaDhUeDBqYjVEaDNBVEx0VHdHTDdoMG0xbnV5alJTUExXemMtdmU2SFJ3TWkzUUpNZlJOTzJqXy12bjc2M2xqeTRCblBXZFZ5d1BGV1ZIZ1E?oc=5) · Gainesville Sun
- 2007-05-19 [Financial institutions of many varieties crowd Marion's market - Ocala StarBanner](https://news.google.com/rss/articles/CBMiugFBVV95cUxNNHdwY2JLUC1SVzFvNUZqRllyenYwazZoX01JbVhwVEhyeXg0ckFya2RpYUpGdE94eUtlSGZVU0h1UFdjREotdUdvTWpUeGt6SzIxTklVa3NwbFFhZ0NJWVVkZjRIOHJ2ZTczeUxvT2NtRWl1WldRRF80ME5XNnJPc01ZQWk1bllxZDBtUGN5b3JJS2xtemxMZDVCZ2dLemNzNEprUjQ4SG94THNXc3oyVlB2OHdpOFpTcmc?oc=5) · Ocala StarBanner
- 2014-09-21 [Bell community honors 7 murder victims at football game - firstcoastnews.com](https://news.google.com/rss/articles/CBMiugFBVV95cUxQV1RLenp6emFvU0phS0ZKcTdSN1dEUXFSOEI0MEp2R0NsWG1pbDFhSGZPakRmeUZqN3lGRVFqR2pvbkNOWTVqTlVYY2N1cjc4bHN2LXhOUmNKWkRKUEVqejB6MC1qN2Y0RF9mM015RmRZOHlFQlRJQm1nUFFBNmItSXlxSjM3WWgyVG1ldHhDMUxfVkdjY3JuWmJpNTRac3l0WFYyaE9QMlJ3RlJRMVZiNjlPY2FFemEyX0E?oc=5) · firstcoastnews.com
- 2021-10-09 [Charlton Daniel Obituary (2008) - Gainesville, FL - Gainesville Sun - legacy.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxNempRSFctdzhhVXdzazJZZUVNWm1qYXZwTjRUQllaak11cnFmYkRCcW9EMmtvOVRoX2pTM0lCdEFtQUtyM3gzVXIwSklpb2FKdkx4WGJudnhsclp6NmNNTFZDRG10eldjQkRvTnZqdVBxZERpSHBQS1E3M21xT2VoYnYtMWZOQTNJbGlGdkVhVjBmcDlr?oc=5) · legacy.com
- 2023-04-24 [Filling a void: Local leaders prepare to open an Ocala-based bank - Ocala StarBanner](https://news.google.com/rss/articles/CBMixAFBVV95cUxNMVRTbnYxVmIzdktDNzRiQ0c1THlWRVcwNmQ3emJ3Mll5Nk01MzNmT0ZhZ3F2Umg2N0xwa0lfLTlEaWx0Zkx5NEQ0dDBHT2pMM2stS1JkZGhNWVFGZlVieEg5cHFoWElRckFSdVkwdHVMRnRzYVh6M1RPMi1vdDdOanRINEpKbTdZeGFMZUpqdzl2bXNkZDlUY2FOUUxuNjBIeUZ5VmNrbUwxQlVyb3ZFd0x2S2RXZ1I3eGFWNlhnb2tmX3V3?oc=5) · Ocala StarBanner
- 2008-06-15 [Father also the boss this company - Gainesville Sun](https://news.google.com/rss/articles/CBMinAFBVV95cUxQME5qbWFibWNicjVBNzBiWjZUaU9hWGhCMWtTYy1XbEV2bUhDUDZkaU9sQm5qbjFvbmY1R2RjdnVvbjNmWFcteVhhakhDVU1IcVZmS19pekJ5eXVoU0tDbXZLR0RxQm5IR3hMV2V1YkhROEJ2WTJqZXd4VTVLRzNSY0xPTTNVOGl1eEhQVzNDcGxVTDNTWGppYXI2ZFM?oc=5) · Gainesville Sun
- 2019-05-03 [Community Bank & Trust merges with Lakeland credit union - Ocala StarBanner](https://news.google.com/rss/articles/CBMixgFBVV95cUxQY1JGT0J6Z01sa3NLckdycXVNdXNDQjFLczMySV9pdzF0TUVDNE9pZFVIT1ZPUGgzeThBUmhGOGlWYWpLNGxILWZNcWx5QkRUa181ZjVkM0p5TEhiaFRXQ0M1TjJLbGNFUVVIQWNDTXpnall0QXhLX2tydElDRmxtVVU4R0ExMWh1TUN1R3hQcWE2R25OajJaVTdKVTZ1QWJLOEowYjlZMUNaUmJPWWR4Tl9RSmVZM1NQYjRRMXlMR2N0bTJ3Z2c?oc=5) · Ocala StarBanner

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57845 (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 "57845", 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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