# HANCOCK BANK OF ALABAMA
MOBILE, AL · FDIC certificate 58510 · asset band <$300M · latest filing 2011-03 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (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 | $199.1M | |
| Deposits | $165.9M | |
| Loans and leases | $176.1M | |
| Total equity | $31.3M | |
| Loans / deposits | 103.06% (p97 of band) | 70.88% |
| Liquid assets / assets | 5.11% (p1 of band) | |
| Uninsured deposits / deposits | 17.13% (p86 of band) | 7.86% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.58% (p37 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 16.06% (p91 of band) | 9.71% |
| Unrealized securities loss / equity | 1.17% (p55 of band) | 0.79% |
| AOCI / equity | -0.04% (p29 of band) | |
| ROA (annualized) | 0.01% (p17 of band) | 0.66% |
| Net interest margin | 4.34% (p80 of band) | 3.79% |
| Efficiency ratio | 72.96% (p47 of band) | |
| Noncurrent loans | 1.01% (p39 of band) | 1.53% |
| Net charge-offs (annualized) | 0.74% (p88 of band) | |
| Reserve coverage of noncurrent | 287.47% | |
| Real estate % of loans | 62% | |
| Construction % of loans | 98.27% (p91 of band) | |
| Auto loans | $17.6M (10.02% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | – | |
| Employees | 43 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **liquid assets <10%** (`liq_thin`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | loans exceed deposits, liquid assets <10% |  |

## 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=58510 (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/14.json (key "58510", 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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