# FIRST CITIZENS B&T CO INC
COLUMBIA, SC · FDIC certificate 15504 · asset band $1-10B · latest filing 2014-12 · stopped filing (departed)

**Verdict on the desk:** this could be *auto lender*. 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 | $8.35B | |
| Deposits | $7.36B | |
| Loans and leases | $4.67B | |
| Total equity | $702.3M | |
| Loans / deposits | 63.36% (p15 of band) | 84.90% |
| Liquid assets / assets | 38.84% (p81 of band) | |
| Uninsured deposits / deposits | 32.84% (p71 of band) | 24.14% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.28% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 7.89% (p9 of band) | 9.76% |
| Unrealized securities loss / equity | 1.20% (p55 of band) | 0.91% |
| AOCI / equity | -0.06% (p16 of band) | |
| ROA (annualized) | 0.15% (p5 of band) | 0.93% |
| Net interest margin | 0.78% (p3 of band) | 3.54% |
| Efficiency ratio | 66.05% (p48 of band) | |
| Noncurrent loans | 1.13% (p66 of band) | 0.82% |
| Net charge-offs (annualized) | 0.01% (p21 of band) | |
| Reserve coverage of noncurrent | 7.49% | |
| Real estate % of loans | 70% | |
| Construction % of loans | 24.50% (p39 of band) | |
| Auto loans | $620.6M (13.29% of loans; DQ 0.03%, NCO 0.00%) | |
| Loans to nondepository financials | $3.7M (1% of equity) (p78 of band) | |
| Deposits YoY | 2.3% | |
| Employees | 1576 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **NIM <2.5%** (`earn_nim`)
- **reserve under noncurrent** (`aq_reserve`)

## 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 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 2 | noncurrent p90 |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 3 | losing money |  |
| 2014-12 | 3 | capital falling, NIM <2.5% | noncurrent p90, losing money |

## 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=15504 (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/16.json (key "15504", 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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