# GRANT COUNTY DEPOSIT BANK
WILLIAMSTOWN, KY · FDIC certificate 9311 · asset band <$300M · latest filing 2014-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 7 (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 | $73.0M | |
| Deposits | $61.7M | |
| Loans and leases | $40.6M | |
| Total equity | $8.4M | |
| Loans / deposits | 65.01% (p40 of band) | 71.36% |
| Liquid assets / assets | 40.53% (p63 of band) | |
| Uninsured deposits / deposits | 5.30% (p15 of band) | 12.72% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.43% (p58 of band) | |
| FHLB advances / assets | 3.06% | |
| Tier 1 leverage | 10.88% (p56 of band) | 10.52% |
| Unrealized securities loss / equity | -5.23% (p6 of band) | 0.17% |
| AOCI / equity | 3.75% (p76 of band) | |
| ROA (annualized) | -0.70% (p4 of band) | 0.81% |
| Net interest margin | 3.62% (p48 of band) | 3.65% |
| Efficiency ratio | 126.32% (p98 of band) | |
| Noncurrent loans | 10.73% (p99 of band) | 0.86% |
| Net charge-offs (annualized) | 0.59% (p95 of band) | |
| Reserve coverage of noncurrent | 11.00% | |
| Real estate % of loans | 96% | |
| Construction % of loans | 21.31% (p58 of band) | |
| Auto loans | $469,000 (1.16% of loans; DQ 2.13%, NCO -0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -9.2% | |
| Employees | 29 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 3 | noncurrent p90 |  |
| 2012-03 | 5 | capital falling, expense ratio p90 |  |
| 2012-06 | 5 |  |  |
| 2012-09 | 5 | charge-offs p90 | capital falling |
| 2012-12 | 4 |  | charge-offs p90 |
| 2013-03 | 6 | deposits shrinking, assets shrinking |  |
| 2013-06 | 6 |  |  |
| 2013-09 | 6 |  |  |
| 2013-12 | 6 |  |  |
| 2014-03 | 4 |  | losing money, expense ratio p90 |
| 2014-06 | 7 | losing money, expense ratio p90, charge-offs p90 |  |
| 2014-09 | 7 |  |  |

## 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=9311 (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/31.json (key "9311", 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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