# STATE BANK OF BRICELYN
BRICELYN, MN · FDIC certificate 8847 · asset band <$300M · latest filing 2012-03 · stopped filing (departed)

**Verdict on the desk:** this could be *fortress*. 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 | $29.4M | |
| Deposits | $26.0M | |
| Loans and leases | $21.8M | |
| Total equity | $3.2M | |
| Loans / deposits | 83.04% (p80 of band) | 67.95% |
| Liquid assets / assets | 21.64% (p17 of band) | |
| Uninsured deposits / deposits | 0.90% (p5 of band) | 8.38% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.16% (p67 of band) | 9.95% |
| Unrealized securities loss / equity | 0.43% (p23 of band) | 2.77% |
| AOCI / equity | 0.00% (p58 of band) | |
| ROA (annualized) | 1.48% (p83 of band) | 0.78% |
| Net interest margin | 4.33% (p80 of band) | 3.77% |
| Efficiency ratio | 63.92% (p29 of band) | |
| Noncurrent loans | 0.06% (p14 of band) | 1.40% |
| Net charge-offs (annualized) | 0.00% (p34 of band) | |
| Reserve coverage of noncurrent | 1435.71% | |
| Real estate % of loans | 45% | |
| Construction % of loans | 13.08% (p45 of band) | |
| Auto loans | $613,000 (2.81% of loans; DQ 0.49%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 14.1% | |
| Employees | 10 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 3 | loans exceed deposits, liquid assets <10%, capital falling |  |
| 2012-03 | 2 | uninsured deposits leaving | loans exceed deposits, liquid assets <10% |

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

- 2018-06-20 [Dorothy Ann Nassen Obituary Jun 20, 2018 - pattonfh.com](https://news.google.com/rss/articles/CBMiX0FVX3lxTE5oc0ZOMnNVcnhaWEo1bUo0UUk5OTU3RmY5V0hGM3NTTEZ0RklUbWU5VXdId3ByMjJNaTUtdVppUEFwVjdTc2dfb1RxQnRyUlotc1kyV3lCcTNHdUJYbXY4?oc=5) · pattonfh.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8847 (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/15.json (key "8847", 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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