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CIK 933590

YOUR COMMUNITY BANKSHARES, INC.
CIK 0000933590 ยท EDGAR โ†—
cleanelevatedtriggeredno dataplanned
42.8
composite ยท 2 signals ยท ELEVATED

Every card below shows the score and the exact filing data it was computed from โ€” no unexplained numbers. Some signals (P-02, P-03, P-08, P-09, P-10, P-11) pull live documents from SEC EDGAR the first time you view this company; a few of those (P-03, P-10, P-11) use AI to read the filing text, but every AI claim must quote the actual document verbatim or it's discarded โ€” never a guess.

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Signals

P-05 ยท FY 2015-12-31 ยท ELEVATED47.7

Tax arbitrage

ETR 1.3% vs 21% statutory โ€” gap persistent across 1 of 3 years
trend: flat
Trend
Source: 10-K on SEC.gov (filed 2016-03-15) โ†—
Evidence โ€” inputs and thresholds
{
  "etr_by_year": {
    "2015-12-31": 0.0127,
    "2014-12-31": 0.1817,
    "2013-12-31": 0.1527
  },
  "statutory_rate": 0.21,
  "gap_by_year": {
    "2015-12-31": 0.1973,
    "2014-12-31": 0.0283,
    "2013-12-31": 0.0573
  },
  "note": "Low ETR can be fully legitimate; this flags persistence + magnitude for review.",
  "stale": false,
  "latest_filing_period": "2015-12-31",
  "source": {
    "url": "https://www.sec.gov/Archives/edgar/data/933590/000110465916105260/0001104659-16-105260-index.htm",
    "form": "10-K",
    "filed": "2016-03-15"
  }
}
P-07 ยท FY 2015-12-31 ยท ELEVATED23.0

Pension underfunding

DB plan 88% funded โ€” $0M surplus
trend: flat
Trend
Source: 10-K on SEC.gov (filed 2016-03-15) โ†—
Evidence โ€” inputs and thresholds
{
  "benefit_obligation": 1477000,
  "plan_assets": 1307000,
  "funded_ratio": 0.8849,
  "deficit": 170000,
  "deficit_vs_equity": null,
  "thresholds": {
    "elevated": "<90% funded",
    "triggered": "<80% funded or deficit >25% of equity"
  },
  "stale": false,
  "latest_filing_period": "2015-12-31",
  "source": {
    "url": "https://www.sec.gov/Archives/edgar/data/933590/000110465916105260/0001104659-16-105260-index.htm",
    "form": "10-K",
    "filed": "2016-03-15"
  }
}