# FARMERS BANK OF LINCOLN
LINCOLN, MO · FDIC certificate 8267 · asset band <$300M · latest filing 2020-06 · stopped filing (departed)

**Verdict on the desk:** this could be *fortress*. 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 | $139.0M | |
| Deposits | $122.2M | |
| Loans and leases | $91.5M | |
| Total equity | $14.7M | |
| Loans / deposits | 73.96% (p51 of band) | 73.75% |
| Liquid assets / assets | 30.72% (p43 of band) | |
| Uninsured deposits / deposits | 7.11% (p12 of band) | 17.11% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.24% (p49 of band) | |
| FHLB advances / assets | 1.24% | |
| Tier 1 leverage | 10.64% (p45 of band) | 10.95% |
| Unrealized securities loss / equity | 1.32% (p35 of band) | 2.60% |
| AOCI / equity | 0.80% (p39 of band) | |
| ROA (annualized) | 1.37% (p73 of band) | 0.97% |
| Net interest margin | 3.55% (p46 of band) | 3.63% |
| Efficiency ratio | 61.95% (p32 of band) | |
| Noncurrent loans | 0.38% (p44 of band) | 0.52% |
| Net charge-offs (annualized) | 0.02% (p66 of band) | |
| Reserve coverage of noncurrent | 308.86% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 19.30% (p58 of band) | |
| Auto loans | $1.3M (1.47% of loans; DQ 0.52%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 13.4% | |
| Employees | 23 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | capital falling |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 0 |  | capital falling |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | capital falling |  |
| 2013-09 | 2 | uninsured deposits leaving |  |
| 2013-12 | 1 |  | capital falling |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 0 |  | uninsured deposits leaving |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | capital falling |  |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | capital falling |  |
| 2019-06 | 0 |  | capital falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |

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

- 2011-11-06 [Billy J. Siercks | Obituaries - nny360.com](https://news.google.com/rss/articles/CBMipwFBVV95cUxQZGF1VXVLRERqeFN6ejNseTBBeTNGYXdweGJzUE1UZ0hqTnJMQ1c3SzB6R25kWmZPNTJXeFM1S2RQX0JtMThSNUkzUmtndnZHWjh3N2JGNEtrblFiQ2VNQUZXTlFOVGpkRHUxdHZMeWtTRHlZTTBMLW5sV2huS3dCeUxERUFNQVRRaFVJdF9UckJoMGUxSmdZQS1zTURTSmJRTjBtbGg0NA?oc=5) · nny360.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8267 (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/11.json (key "8267", 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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