# BANK OF JENA
JENA, LA · FDIC certificate 8804 · asset band <$300M · latest filing 2014-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 2 (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 | $71.8M | |
| Deposits | $64.7M | |
| Loans and leases | $31.2M | |
| Total equity | $6.3M | |
| Loans / deposits | 47.99% (p17 of band) | 71.36% |
| Liquid assets / assets | 51.45% (p79 of band) | |
| Uninsured deposits / deposits | 24.51% (p86 of band) | 12.72% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.70% (p40 of band) | |
| FHLB advances / assets | 0.70% | |
| Tier 1 leverage | 8.42% (p12 of band) | 10.52% |
| Unrealized securities loss / equity | 0.78% (p62 of band) | 0.17% |
| AOCI / equity | 9.82% (p95 of band) | |
| ROA (annualized) | 0.84% (p52 of band) | 0.81% |
| Net interest margin | 4.05% (p72 of band) | 3.65% |
| Efficiency ratio | 81.36% (p69 of band) | |
| Noncurrent loans | 3.95% (p91 of band) | 0.86% |
| Net charge-offs (annualized) | 0.06% (p61 of band) | |
| Reserve coverage of noncurrent | 13.61% | |
| Real estate % of loans | 78% | |
| Construction % of loans | 83.60% (p93 of band) | |
| Auto loans | $1.5M (4.70% of loans; DQ 6.47%, NCO 0.04%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -1.8% | |
| Employees | 32 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 2 | noncurrent p90 |  |
| 2012-12 | 1 |  | noncurrent p90 |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 3 | deposits shrinking, assets shrinking |  |
| 2014-03 | 5 | noncurrent p90, uninsured deposits leaving |  |
| 2014-06 | 1 |  | deposits shrinking, assets shrinking, noncurrent p90, uninsured deposits leaving |
| 2014-09 | 2 | noncurrent p90 |  |

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

- 2021-10-02 [Don Looney Obituary (1916 - 2015) - Fort Worth, TX - Star-Telegram - Legacy obituary](https://news.google.com/rss/articles/CBMigwFBVV95cUxOWGFvc2RJR19QeXltSVNmYWNfdHhLbE45LTlNdWVvcDlYLV9zUkI0dUMzQnhyTV9vQmJPazZNRm1Ya1JzbDcwYkFyTTB4Z3JnM2NkWHYzRkZpVkF0T2xFazZxWHd0STFHT3Nxb0RyZFRJN3EtaDhhWmJmZ21Ob3V1eGx6WQ?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8804 (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/36.json (key "8804", 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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