# RICHARDSON COUNTY B&T CO
FALLS CITY, NE · FDIC certificate 8598 · asset band <$300M · latest filing 2015-09 · 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 | $138.2M | |
| Deposits | $105.6M | |
| Loans and leases | $98.6M | |
| Total equity | $15.8M | |
| Loans / deposits | 92.20% (p83 of band) | 73.61% |
| Liquid assets / assets | 23.31% (p30 of band) | |
| Uninsured deposits / deposits | 11.11% (p38 of band) | 13.65% |
| Brokered deposits | 5.10% | |
| Wholesale funding | 17.12% (p94 of band) | |
| FHLB advances / assets | 1.84% | |
| Tier 1 leverage | 7.54% (p4 of band) | 10.70% |
| Unrealized securities loss / equity | 3.13% (p79 of band) | 0.86% |
| AOCI / equity | -0.50% (p14 of band) | |
| ROA (annualized) | 1.92% (p93 of band) | 0.84% |
| Net interest margin | 3.82% (p61 of band) | 3.64% |
| Efficiency ratio | 41.54% (p2 of band) | |
| Noncurrent loans | 1.87% (p78 of band) | 0.69% |
| Net charge-offs (annualized) | 0.20% (p87 of band) | |
| Reserve coverage of noncurrent | 67.54% | |
| Real estate % of loans | 57% | |
| Construction % of loans | 10.76% (p42 of band) | |
| Auto loans | $5.2M (5.30% of loans; DQ 11.28%, NCO 0.03%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 0.8% | |
| Employees | 23 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **capital falling** (`cap_falling`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | leverage <7% |  |
| 2011-06 | 2 | NIM <2.5%, reserve under noncurrent | leverage <7% |
| 2011-09 | 2 |  |  |
| 2011-12 | 0 |  | NIM <2.5%, reserve under noncurrent |
| 2012-03 | 2 | capital falling, reserve under noncurrent |  |
| 2012-06 | 1 |  | reserve under noncurrent |
| 2012-09 | 2 | reserve under noncurrent |  |
| 2012-12 | 1 | uninsured deposits leaving | capital falling, reserve under noncurrent |
| 2013-03 | 0 |  | uninsured deposits leaving |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | reserve under noncurrent |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 2 | capital falling |  |
| 2014-09 | 4 | wholesale funding >15%, uninsured deposits leaving |  |
| 2014-12 | 4 |  |  |
| 2015-03 | 1 |  | capital falling, wholesale funding >15%, uninsured deposits leaving |
| 2015-06 | 2 | charge-offs p90 |  |
| 2015-09 | 3 | wholesale funding >15%, capital falling | 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=8598 (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/22.json (key "8598", 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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