# FIRST T&SB ONEIDA TENNESSEE
ONEIDA, TN · FDIC certificate 6109 · asset band <$300M · latest filing 2014-03 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (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 | $146.4M | |
| Deposits | $125.8M | |
| Loans and leases | $86.0M | |
| Total equity | $15.4M | |
| Loans / deposits | 66.91% (p48 of band) | 68.03% |
| Liquid assets / assets | 37.62% (p53 of band) | |
| Uninsured deposits / deposits | 6.41% (p20 of band) | 12.24% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.31% (p62 of band) | |
| FHLB advances / assets | 2.62% | |
| Tier 1 leverage | 10.81% (p58 of band) | 10.34% |
| Unrealized securities loss / equity | -1.13% (p36 of band) | -0.15% |
| AOCI / equity | 0.47% (p45 of band) | |
| ROA (annualized) | 0.87% (p59 of band) | 0.74% |
| Net interest margin | 3.74% (p59 of band) | 3.59% |
| Efficiency ratio | 73.32% (p46 of band) | |
| Noncurrent loans | 2.14% (p74 of band) | 0.94% |
| Net charge-offs (annualized) | 0.15% (p82 of band) | |
| Reserve coverage of noncurrent | 97.82% | |
| Real estate % of loans | 76% | |
| Construction % of loans | 35.24% (p72 of band) | |
| Auto loans | $3.7M (4.35% of loans; DQ 3.34%, NCO -0.03%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -1.6% | |
| Employees | 50 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 3 | losing money, noncurrent p90 |  |
| 2011-09 | 2 |  | losing money |
| 2011-12 | 3 | charge-offs p90 |  |
| 2012-03 | 3 |  |  |
| 2012-06 | 1 |  | noncurrent p90, charge-offs p90 |
| 2012-09 | 2 | noncurrent p90 |  |
| 2012-12 | 1 |  | noncurrent p90 |
| 2013-03 | 2 | charge-offs p90 |  |
| 2013-06 | 1 |  | reserve under noncurrent |
| 2013-09 | 1 |  |  |
| 2013-12 | 2 | reserve under noncurrent |  |
| 2014-03 | 1 |  | charge-offs p90 |

## 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=6109 (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/29.json (key "6109", 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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