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CIK 1553830

Citizens Independent Bancorp, Inc.
CIK 0001553830 ยท EDGAR โ†—
cleanelevatedtriggeredno dataplanned
80.1
composite ยท 2 signals ยท CLEAN

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 2016-12-31 ยท CLEAN100.0

Tax arbitrage

ETR 33.6% โ€” within normal range of statutory
trend: flat
Trend
Source: 10-K on SEC.gov (filed 2017-03-31) โ†—
Evidence โ€” inputs and thresholds
{
  "etr_by_year": {
    "2016-12-31": 0.3362,
    "2015-12-31": 0.2619,
    "2014-12-31": -5.2084
  },
  "statutory_rate": 0.21,
  "gap_by_year": {
    "2016-12-31": -0.1262,
    "2015-12-31": -0.0519,
    "2014-12-31": 5.4184
  },
  "note": "Low ETR can be fully legitimate; this flags persistence + magnitude for review.",
  "stale": false,
  "latest_filing_period": "2016-12-31",
  "source": {
    "url": "https://www.sec.gov/Archives/edgar/data/1553830/000114420417017985/0001144204-17-017985-index.htm",
    "form": "10-K",
    "filed": "2017-03-31"
  }
}
P-07 ยท FY 2016-12-31 ยท CLEAN0.3

Pension underfunding

DB plan 104% funded
trend: flat
Trend
Source: 10-K on SEC.gov (filed 2017-03-31) โ†—
Evidence โ€” inputs and thresholds
{
  "benefit_obligation": 1348000,
  "plan_assets": 1399000,
  "funded_ratio": 1.0378,
  "deficit": -51000,
  "deficit_vs_equity": 0.0027,
  "thresholds": {
    "elevated": "<90% funded",
    "triggered": "<80% funded or deficit >25% of equity"
  },
  "stale": false,
  "latest_filing_period": "2016-12-31",
  "source": {
    "url": "https://www.sec.gov/Archives/edgar/data/1553830/000114420417017985/0001144204-17-017985-index.htm",
    "form": "10-K",
    "filed": "2017-03-31"
  }
}