# BANK OF STAPLETON
STAPLETON, NE · FDIC certificate 9820 · asset band <$300M · latest filing 2015-06 · stopped filing (departed)

**Verdict on the desk:** this could be *auto lender*. Composite score 1 (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 | $25.5M | |
| Deposits | $23.0M | |
| Loans and leases | $21.0M | |
| Total equity | $2.4M | |
| Loans / deposits | 90.38% (p81 of band) | 72.67% |
| Liquid assets / assets | 13.01% (p8 of band) | |
| Uninsured deposits / deposits | 16.76% (p65 of band) | 13.36% |
| Brokered deposits | 8.21% | |
| Wholesale funding | 8.21% (p77 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.09% (p22 of band) | 10.53% |
| Unrealized securities loss / equity | 0.00% (p38 of band) | 0.18% |
| AOCI / equity | 0.00% (p69 of band) | |
| ROA (annualized) | 1.52% (p85 of band) | 0.82% |
| Net interest margin | 6.42% (p99 of band) | 3.60% |
| Efficiency ratio | 75.80% (p57 of band) | |
| Noncurrent loans | 0.13% (p22 of band) | 0.74% |
| Net charge-offs (annualized) | 0.03% (p62 of band) | |
| Reserve coverage of noncurrent | 614.81% | |
| Real estate % of loans | 24% | |
| Construction % of loans | 0.25% (p16 of band) | |
| Auto loans | $2.2M (10.44% of loans; DQ 0.00%, NCO -0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 6.3% | |
| Employees | 8 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | capital falling |  |
| 2012-03 | 0 |  | capital falling |
| 2012-06 | 1 | reserve under noncurrent |  |
| 2012-09 | 3 | liquid assets <10%, capital falling |  |
| 2012-12 | 3 | brokered >10% | reserve under noncurrent |
| 2013-03 | 3 | wholesale funding >15%, reserve under noncurrent | liquid assets <10%, capital falling |
| 2013-06 | 2 | liquid assets <10%, assets shrinking | brokered >10%, wholesale funding >15%, reserve under noncurrent |
| 2013-09 | 4 | loans exceed deposits, wholesale funding >15%, deposits shrinking | assets shrinking |
| 2013-12 | 1 |  | loans exceed deposits, wholesale funding >15%, deposits shrinking |
| 2014-03 | 3 | loans exceed deposits, uninsured deposits leaving |  |
| 2014-06 | 2 |  | uninsured deposits leaving |
| 2014-09 | 3 | wholesale funding >15% |  |
| 2014-12 | 2 |  | wholesale funding >15% |
| 2015-03 | 1 | reserve under noncurrent | liquid assets <10%, loans exceed deposits |
| 2015-06 | 1 | capital falling | reserve under noncurrent |

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

- 2014-11-20 [Our Changing Island: Site of former Staten Island Savings Bank, Stapleton - SILive.com](https://news.google.com/rss/articles/CBMiwAFBVV95cUxNaG56VWFySkFib0RZYnBGbXc0WnpqNk5OVEVGRV9PNFBaU0pyY3RBU0NmUmUzTTVBdHQ1VzJXdmpONFQ2c0VhbjJaZWtfeHIzRU1VNExYTTgwbXR5NkhnejBkTl9fRnFDa05JU25NNnB1UlNVWXpCRGE4NWpxVDFKUkhVbDJmTENzT0Y1MXhURWNHOWxCckRNNGI0UnV2WHBkNVpRTE8tU0ROeFlabFpfanh5TGltZGRiN21kLXdYMTM?oc=5) · SILive.com
- 2012-08-05 [Laron Wright Obituary Aug 5, 2012 - Govier Brothers Mortuary & Crematory](https://news.google.com/rss/articles/CBMiXkFVX3lxTE82Wi1ybnl5UmVEVFYtVWdyR3pfeThtTVBnQzhoeXFVeWhVRWljcTljUlNKcXpUY011QTE2dTFQWkxTNm5lWE9rMmhRcDRxWUZPdDZjQlZEZy1GRmh4Snc?oc=5) · Govier Brothers Mortuary &amp; Crematory
- 2013-08-18 [Clark Cook Obituary - Wheat Ridge, CO - Dignity Memorial](https://news.google.com/rss/articles/CBMiggFBVV95cUxOWlVHOWpnQ2pucVlHYmdPVWF4VUxhTkNfcXhPMHZyXzFnQWZpM3lJWmNNWkxMemp4SzYzR25lSFFuS3Y0UF9saHI4aXNQNDBnWjVXUTVrTGNudUVkSmxOZFpiTF83OUFVcHI2SzRFSDUzYW9mbkxLaTNjdDhQbVh1WU53?oc=5) · Dignity Memorial
- 2021-01-23 [Jessie Fowler Obituary (1982 - 2021) - Tulsa, OK - North Platte Telegraph - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxPZHlmOWFGTnlCX3ZFMkdVNERGSE13SmJNN01STHhmZU5Xbi1XaFNpOElnNE9DVUdMNW13MkVTa0dyT25OMGZtOXRhaHozREVRR1VienVDZmVPZDRaZWNEd0NIQ3BwQTNhWHZSZ21nNmVmZ0JLVFc3VWRLTE1oUExQQ09DS3hGYlJGc0dwYVZmOFNDQQ?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9820 (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/28.json (key "9820", 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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