# CONNECTICUT RIVER BANK NA
SPRINGFIELD, VT · FDIC certificate 6209 · asset band <$300M · latest filing 2014-06 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $279.7M | |
| Deposits | $254.8M | |
| Loans and leases | $177.3M | |
| Total equity | $21.4M | |
| Loans / deposits | 68.95% (p48 of band) | 70.22% |
| Liquid assets / assets | 31.14% (p42 of band) | |
| Uninsured deposits / deposits | 6.80% (p22 of band) | 12.36% |
| Brokered deposits | 14.03% | |
| Wholesale funding | 15.05% (p92 of band) | |
| FHLB advances / assets | 0.41% | |
| Tier 1 leverage | 7.61% (p6 of band) | 10.41% |
| Unrealized securities loss / equity | 0.64% (p58 of band) | 0.24% |
| AOCI / equity | 0.44% (p32 of band) | |
| ROA (annualized) | 0.19% (p14 of band) | 0.79% |
| Net interest margin | 3.05% (p20 of band) | 3.62% |
| Efficiency ratio | 87.47% (p79 of band) | |
| Noncurrent loans | 1.77% (p70 of band) | 0.88% |
| Net charge-offs (annualized) | 0.20% (p83 of band) | |
| Reserve coverage of noncurrent | 51.56% | |
| Real estate % of loans | 79% | |
| Construction % of loans | 15.92% (p51 of band) | |
| Auto loans | $306,000 (0.17% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -0.1% | |
| Employees | 82 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | capital falling |  |
| 2012-03 | 1 | brokered >10% | capital falling |
| 2012-06 | 0 |  | brokered >10% |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | reserve under noncurrent |  |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 3 | brokered >10% |  |
| 2013-09 | 4 | charge-offs p90 |  |
| 2013-12 | 3 |  | charge-offs p90 |
| 2014-03 | 1 |  | capital falling, brokered >10% |
| 2014-06 | 3 | brokered >10%, wholesale funding >15% |  |

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

- 2011-10-27 [Suspect in Walpole bank robbery appears in court - Brattleboro Reformer](https://news.google.com/rss/articles/CBMizwFBVV95cUxNTk9RMEE1R0FrdlFqU0c1S01wZTFHc3FVNkhrbmVyNXRrVFFGUzJSVkxjYVBvaWV4OTFaM19Rd2lYbzJQcnltOFJWaVJMN0hmQm1tV0RIYnNBMmgzV3RMTFFQSkVndG1jZ1BuSnI3Z2ZJYWZ1T0hxOGZveW9jSktnWHRVcHhSTk5YeXFNUll6NEtZUF9pcnN3Zk4xM2huRS04UGZid1VmWUtacDZPbFc1amFhVVhkenVHa2lsR1Z4SndXSHdkdGNESnJ3eXFMR1E?oc=5) · Brattleboro Reformer

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=6209 (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/1.json (key "6209", 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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