# MINER COUNTY BANK
HOWARD, SD · FDIC certificate 9933 · asset band <$300M · latest filing 2017-06 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $52.3M | |
| Deposits | $43.1M | |
| Loans and leases | $33.9M | |
| Total equity | $6.0M | |
| Loans / deposits | 78.17% (p55 of band) | 75.51% |
| Liquid assets / assets | 30.19% (p49 of band) | |
| Uninsured deposits / deposits | 21.70% (p76 of band) | 14.70% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 5.86% (p69 of band) | |
| FHLB advances / assets | 3.83% | |
| Tier 1 leverage | 8.56% (p10 of band) | 10.91% |
| Unrealized securities loss / equity | 0.58% (p64 of band) | 0.10% |
| AOCI / equity | 1.58% (p63 of band) | |
| ROA (annualized) | 0.62% (p32 of band) | 0.87% |
| Net interest margin | 3.17% (p23 of band) | 3.67% |
| Efficiency ratio | 71.86% (p52 of band) | |
| Noncurrent loans | 0.00% (p8 of band) | 0.61% |
| Net charge-offs (annualized) | 0.00% (p37 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 50% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $297,000 (0.88% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 8.4% | |
| Employees | 12 | |

## 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 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 2 | uninsured deposits leaving |  |
| 2012-09 | 2 | noncurrent p90, reserve under noncurrent | capital falling, uninsured deposits leaving |
| 2012-12 | 2 |  |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 0 |  | noncurrent p90, reserve under noncurrent |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 2 | capital falling, expense ratio p90 |  |
| 2015-12 | 4 | NIM <2.5%, deposits shrinking, assets shrinking, uninsured deposits leaving | capital falling, expense ratio p90 |
| 2016-03 | 0 |  | NIM <2.5%, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2016-06 | 1 | capital falling |  |
| 2016-09 | 0 |  | capital falling |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 1 |  |  |

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

- 2022-07-08 [Mildred M. (Nitschke) Milbrath Obituary Jul 8, 2022 - mahnfamilyfuneralhome.com](https://news.google.com/rss/articles/CBMic0FVX3lxTE5HcFd5aFZFRG1NVnNzQ2U5eDRzMmZoNGhaYlBCUlpUZzU1bnE5RlJXcjF3YUFvbDJLazdaMC1zczQzVGNzY2p1LVNqTFNJekE2d3ByNjRYcEgyTkNBZU0tc3ZBLXQ2Z25vZ2RzRmt4MUJyQTQ?oc=5) · mahnfamilyfuneralhome.com
- 2023-08-18 [As Canova's community fades, its grip on baseball tightens - Mitchell Republic](https://news.google.com/rss/articles/CBMinAFBVV95cUxQTzdhYjRYUno0OElFVGhGTzB0WUxFRTdxWm5CYVRBZUpwZjh1X29xQkhLMHUxUWhSWmF0MHloOVJPSGpWdVFrN3RKWVpGUFlVN2ZMUlU4bGhLM2lOdFByOXg5cVdJYjdnckdtblg4d1VleHJ4M0ZDbTl1eWtQM25XQUFjRl84cTBHMUVQZnYxQ1J6cDJtcTFjOS1Va1k?oc=5) · Mitchell Republic

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9933 (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/13.json (key "9933", 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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