# FIRST NB OF REMBRANDT
REMBRANDT, IA · FDIC certificate 13841 · asset band <$300M · latest filing 2018-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (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 | $51.5M | |
| Deposits | $40.0M | |
| Loans and leases | $30.5M | |
| Total equity | $11.2M | |
| Loans / deposits | 74.49% (p43 of band) | 78.40% |
| Liquid assets / assets | 40.76% (p72 of band) | |
| Uninsured deposits / deposits | 9.11% (p21 of band) | 15.34% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.29% (p38 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 21.29% (p94 of band) | 11.34% |
| Unrealized securities loss / equity | -0.47% (p81 of band) | -3.15% |
| AOCI / equity | -0.05% (p83 of band) | |
| ROA (annualized) | 1.14% (p58 of band) | 1.02% |
| Net interest margin | 3.04% (p14 of band) | 3.82% |
| Efficiency ratio | 46.39% (p5 of band) | |
| Noncurrent loans | 3.54% (p94 of band) | 0.57% |
| Net charge-offs (annualized) | -0.05% (p7 of band) | |
| Reserve coverage of noncurrent | 65.28% | |
| Real estate % of loans | 39% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $821,000 (2.69% of loans; DQ 6.58%, NCO 0.03%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -5.7% | |
| Employees | 5 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 0 |  | reserve under noncurrent |
| 2013-03 | 2 | capital falling, NIM <2.5% |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 2 | reserve under noncurrent |  |
| 2013-12 | 1 |  | NIM <2.5% |
| 2014-03 | 0 |  | reserve under noncurrent |
| 2014-06 | 1 | reserve under noncurrent |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 0 |  | reserve under noncurrent |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | uninsured deposits leaving |  |
| 2015-12 | 0 |  | uninsured deposits leaving |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 0 |  |  |
| 2016-12 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 3 | assets shrinking |  |
| 2017-09 | 5 | charge-offs p90, reserve under noncurrent |  |
| 2017-12 | 3 | noncurrent p90 | deposits shrinking, uninsured deposits leaving, assets shrinking |
| 2018-03 | 4 | capital falling |  |
| 2018-06 | 2 |  | charge-offs p90, capital falling |
| 2018-09 | 3 | deposits shrinking |  |

## 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=13841 (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/17.json (key "13841", 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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