# CITIZENS BK OF SPENCER TENN
SPENCER, TN · FDIC certificate 6092 · asset band <$300M · latest filing 2011-06 · 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 | $44.3M | |
| Deposits | $42.1M | |
| Loans and leases | $26.2M | |
| Total equity | $1.9M | |
| Loans / deposits | 59.57% (p28 of band) | 71.80% |
| Liquid assets / assets | 38.64% (p63 of band) | |
| Uninsured deposits / deposits | 14.73% (p80 of band) | 7.92% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p16 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 3.90% (p2 of band) | 9.80% |
| Unrealized securities loss / equity | 7.30% (p80 of band) | 2.62% |
| AOCI / equity | 12.65% (p99 of band) | |
| ROA (annualized) | 0.20% (p23 of band) | 0.68% |
| Net interest margin | 3.86% (p51 of band) | 3.84% |
| Efficiency ratio | 95.08% (p86 of band) | |
| Noncurrent loans | 15.57% (p99 of band) | 1.53% |
| Net charge-offs (annualized) | 0.06% (p45 of band) | |
| Reserve coverage of noncurrent | 28.38% | |
| Real estate % of loans | 71% | |
| Construction % of loans | 34.81% (p66 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 | – | |
| Employees | 10 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | leverage <7%, leverage <5%, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 5 |  |  |

## 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=6092 (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/12.json (key "6092", 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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