# ROWLEY SAVINGS BANK
ROWLEY, IA · FDIC certificate 9102 · asset band <$300M · latest filing 2021-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (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 | $16.3M | |
| Deposits | $14.9M | |
| Loans and leases | $3.1M | |
| Total equity | $1.4M | |
| Loans / deposits | 19.44% (p4 of band) | 63.26% |
| Liquid assets / assets | 80.99% (p97 of band) | |
| Uninsured deposits / deposits | 1.82% (p1 of band) | 18.86% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p24 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 7.86% (p7 of band) | 10.61% |
| Unrealized securities loss / equity | 0.00% (p29 of band) | 0.71% |
| AOCI / equity | 0.00% (p88 of band) | |
| ROA (annualized) | -0.58% (p3 of band) | 1.03% |
| Net interest margin | 1.20% (p3 of band) | 3.29% |
| Efficiency ratio | 141.45% (p98 of band) | |
| Noncurrent loans | 0.00% (p11 of band) | 0.32% |
| Net charge-offs (annualized) | 0.00% (p47 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 29% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $566,000 (18.55% of loans; DQ 0.35%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 0.9% | |
| Employees | 2 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | losing money |  |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 1 |  | losing money |
| 2012-03 | 4 | losing money, expense ratio p90, uninsured deposits leaving |  |
| 2012-06 | 1 |  | losing money, expense ratio p90, uninsured deposits leaving |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 1 | leverage <7% |  |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 3 | NIM <2.5% |  |
| 2013-09 | 1 |  | capital falling, NIM <2.5% |
| 2013-12 | 0 |  | leverage <7% |
| 2014-03 | 3 | leverage <7%, NIM <2.5%, uninsured deposits leaving |  |
| 2014-06 | 6 | capital falling, deposits shrinking, assets shrinking |  |
| 2014-09 | 2 |  | uninsured deposits leaving, capital falling, deposits shrinking, assets shrinking |
| 2014-12 | 2 | uninsured deposits leaving | leverage <7% |
| 2015-03 | 4 | deposits shrinking, assets shrinking |  |
| 2015-06 | 2 | capital falling | uninsured deposits leaving, deposits shrinking, assets shrinking |
| 2015-09 | 1 |  | capital falling |
| 2015-12 | 2 | leverage <7% |  |
| 2016-03 | 1 |  | leverage <7% |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 | uninsured deposits leaving | NIM <2.5% |
| 2016-12 | 2 | NIM <2.5% |  |
| 2017-03 | 1 |  | NIM <2.5% |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | uninsured deposits leaving |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 1 |  | deposits shrinking, assets shrinking |
| 2019-12 | 0 |  | uninsured deposits leaving |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | uninsured deposits leaving |  |
| 2020-12 | 2 | NIM <2.5% |  |
| 2021-03 | 4 | capital falling, losing money, expense ratio p90 | uninsured deposits leaving |
| 2021-06 | 5 | uninsured deposits leaving |  |
| 2021-09 | 4 |  | capital falling |

## 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=9102 (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/14.json (key "9102", 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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