# TRISUMMIT BANK
KINGSPORT, TN · FDIC certificate 58467 · asset band $300M-1B · latest filing 2016-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (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 | $352.8M | |
| Deposits | $277.3M | |
| Loans and leases | $264.5M | |
| Total equity | $24.9M | |
| Loans / deposits | 94.47% (p75 of band) | 83.90% |
| Liquid assets / assets | 18.27% (p32 of band) | |
| Uninsured deposits / deposits | 13.62% (p20 of band) | 21.07% |
| Brokered deposits | 4.12% | |
| Wholesale funding | 18.34% (p88 of band) | |
| FHLB advances / assets | 13.35% | |
| Tier 1 leverage | 6.51% (p1 of band) | 10.15% |
| Unrealized securities loss / equity | -2.82% (p24 of band) | -0.98% |
| AOCI / equity | -2.84% (p21 of band) | |
| ROA (annualized) | 0.26% (p5 of band) | 0.94% |
| Net interest margin | 3.55% (p46 of band) | 3.62% |
| Efficiency ratio | 90.94% (p96 of band) | |
| Noncurrent loans | 0.48% (p41 of band) | 0.61% |
| Net charge-offs (annualized) | 0.00% (p18 of band) | |
| Reserve coverage of noncurrent | 197.89% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 127.99% (p96 of band) | |
| Auto loans | $1.1M (0.42% of loans; DQ 0.09%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | -0.6% | |
| Employees | 64 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **leverage <7%** (`cap_low`)
- **capital falling** (`cap_falling`)
- **expense ratio p90** (`earn_efficiency`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | brokered >10%, wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 3 | capital falling | brokered >10% |
| 2011-12 | 1 |  | reserve under noncurrent, capital falling |
| 2012-03 | 1 |  |  |
| 2012-06 | 2 | reserve under noncurrent |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 0 |  | wholesale funding >15%, reserve under noncurrent |
| 2013-03 | 2 | reserve under noncurrent, assets shrinking |  |
| 2013-06 | 2 | deposits shrinking | reserve under noncurrent |
| 2013-09 | 3 | uninsured deposits leaving |  |
| 2013-12 | 2 |  | uninsured deposits leaving |
| 2014-03 | 1 | expense ratio p90 | assets shrinking, deposits shrinking |
| 2014-06 | 4 | losing money, deposits shrinking, assets shrinking |  |
| 2014-09 | 3 | reserve under noncurrent | deposits shrinking, assets shrinking |
| 2014-12 | 2 |  | losing money |
| 2015-03 | 1 |  | expense ratio p90 |
| 2015-06 | 0 |  | reserve under noncurrent |
| 2015-09 | 1 | uninsured deposits leaving |  |
| 2015-12 | 1 | capital falling | uninsured deposits leaving |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 | expense ratio p90 | capital falling |
| 2016-09 | 1 |  |  |
| 2016-12 | 5 | wholesale funding >15%, leverage <7%, capital falling, construction >100% equity |  |

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

- 2016-09-26 [Asheville's HomeTrust Bank acquires TriSummit Bank of Tennessee - The Asheville Citizen Times](https://news.google.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?oc=5) · The Asheville Citizen Times
- 2014-08-13 [Tenn. Firm Sues Bank Over $327K Cyberheist - Krebs on Security](https://news.google.com/rss/articles/CBMihwFBVV95cUxNOWhubzluUF9YdWRiRzdPRjdLWU95ZkRXV2V4Vmk4QnQ1SkRWT09XZ3UtWGNpYy1TZlpQUzdjcnQ5cGVjZll0SVU4Zk92QVlDcG9XaE1IZmRPU253NE82LUx1N0d2TFlmZGVzc1NONHY5VUN5UGJ3NjMweUNmdE0tZEw5VlVEOHM?oc=5) · Krebs on Security
- 2011-05-11 [Patricia Dockery Obituary - Kingsport, TN - Dignity Memorial](https://news.google.com/rss/articles/CBMihwFBVV95cUxQMVU3VF9mXzNJY0g3YjEzalVKS3NDMmxJblAtNFZ1Tk1weVV1QWZ6dnpxRkV2MF9nRzB1YjczLTRJQWk5WFE5SWRhWFFZa21fYTZNTU5nYlMtU3p6NnY5cGMwb3gyZkhsdnUyZTJzSVZIeENJMDczbTJ0OGh5ZUVkOExzNWdtSFU?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58467 (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/35.json (key "58467", 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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