# FIRST STB OF BURLINGAME
BURLINGAME, KS · FDIC certificate 15794 · asset band <$300M · latest filing 2012-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 9 (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 | $24.1M | |
| Deposits | $23.6M | |
| Loans and leases | $13.5M | |
| Total equity | $130,000 | |
| Loans / deposits | 55.93% (p26 of band) | 69.17% |
| Liquid assets / assets | 42.93% (p66 of band) | |
| Uninsured deposits / deposits | 3.14% (p17 of band) | 8.28% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.36% (p47 of band) | |
| FHLB advances / assets | 1.36% | |
| Tier 1 leverage | 0.52% (p0 of band) | 10.02% |
| Unrealized securities loss / equity | 0.00% (p7 of band) | 3.21% |
| AOCI / equity | 0.00% (p38 of band) | |
| ROA (annualized) | -4.32% (p1 of band) | 0.78% |
| Net interest margin | 3.79% (p51 of band) | 3.76% |
| Efficiency ratio | 134.75% (p97 of band) | |
| Noncurrent loans | 2.42% (p68 of band) | 1.31% |
| Net charge-offs (annualized) | 4.32% (p100 of band) | |
| Reserve coverage of noncurrent | 89.30% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 5.38% (p31 of band) | |
| Auto loans | $378,000 (2.80% of loans; DQ 0.79%, NCO -0.02%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -3.7% | |
| Employees | 8 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | leverage <7%, leverage <5%, losing money, charge-offs p90 |  |
| 2011-06 | 6 | reserve under noncurrent |  |
| 2011-09 | 6 | construction >100% equity | reserve under noncurrent |
| 2011-12 | 5 |  | construction >100% equity |
| 2012-03 | 7 | expense ratio p90, assets shrinking |  |
| 2012-06 | 9 | capital falling, reserve under noncurrent |  |

## 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=15794 (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/50.json (key "15794", 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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