# FIRST TRUST&SAVINGS BANK
MARCUS, IA · FDIC certificate 15431 · asset band <$300M · latest filing 2018-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 7 (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 | $33.2M | |
| Deposits | $29.3M | |
| Loans and leases | $14.5M | |
| Total equity | $3.2M | |
| Loans / deposits | 48.17% (p14 of band) | 76.78% |
| Liquid assets / assets | 54.86% (p87 of band) | |
| Uninsured deposits / deposits | 6.99% (p14 of band) | 15.22% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.19% (p46 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.68% (p25 of band) | 11.19% |
| Unrealized securities loss / equity | -3.68% (p38 of band) | -2.38% |
| AOCI / equity | -0.22% (p76 of band) | |
| ROA (annualized) | -2.29% (p1 of band) | 1.00% |
| Net interest margin | 3.77% (p49 of band) | 3.78% |
| Efficiency ratio | 111.26% (p97 of band) | |
| Noncurrent loans | 4.00% (p95 of band) | 0.57% |
| Net charge-offs (annualized) | -0.31% (p1 of band) | |
| Reserve coverage of noncurrent | 68.28% | |
| Real estate % of loans | 39% | |
| Construction % of loans | 11.14% (p41 of band) | |
| Auto loans | $482,000 (3.32% of loans; DQ 0.00%, NCO -0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -14.9% | |
| Employees | 9 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, expense ratio p90, reserve under noncurrent |  |
| 2011-06 | 1 |  | losing money, expense ratio p90 |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 | losing money | reserve under noncurrent |
| 2012-03 | 0 |  | losing money |
| 2012-06 | 1 | deposits shrinking |  |
| 2012-09 | 0 |  | deposits shrinking |
| 2012-12 | 0 |  |  |
| 2013-03 | 2 | capital falling, losing money |  |
| 2013-06 | 0 |  | capital falling, losing money |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 2 | deposits shrinking, assets shrinking |  |
| 2014-12 | 0 |  | deposits shrinking, assets shrinking |
| 2015-03 | 5 | capital falling, expense ratio p90, charge-offs p90, deposits shrinking, assets shrinking |  |
| 2015-06 | 8 | losing money, noncurrent p90, reserve under noncurrent, uninsured deposits leaving | capital falling |
| 2015-09 | 8 |  |  |
| 2015-12 | 7 |  | uninsured deposits leaving |
| 2016-03 | 7 |  |  |
| 2016-06 | 5 |  | expense ratio p90, deposits shrinking |
| 2016-09 | 6 | deposits shrinking |  |
| 2016-12 | 8 | expense ratio p90, uninsured deposits leaving |  |
| 2017-03 | 7 |  | charge-offs p90 |
| 2017-06 | 4 |  | assets shrinking, deposits shrinking, uninsured deposits leaving |
| 2017-09 | 4 |  |  |
| 2017-12 | 4 | capital falling | noncurrent p90 |
| 2018-03 | 2 |  | reserve under noncurrent, capital falling |
| 2018-06 | 7 | noncurrent p90, reserve under noncurrent, deposits shrinking, assets shrinking, uninsured deposits leaving |  |

## 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=15431 (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/7.json (key "15431", 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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