# FIRST COMMUNITY BANK MO
POPLAR BLUFF, MO · FDIC certificate 16207 · asset band <$300M · latest filing 2015-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $277.3M | |
| Deposits | $247.6M | |
| Loans and leases | $157.8M | |
| Total equity | $28.6M | |
| Loans / deposits | 63.52% (p34 of band) | 73.15% |
| Liquid assets / assets | 35.71% (p56 of band) | |
| Uninsured deposits / deposits | 14.74% (p53 of band) | 14.12% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.25% (p37 of band) | |
| FHLB advances / assets | 0.25% | |
| Tier 1 leverage | 8.76% (p16 of band) | 10.64% |
| Unrealized securities loss / equity | -0.11% (p28 of band) | 0.27% |
| AOCI / equity | -0.07% (p49 of band) | |
| ROA (annualized) | 0.46% (p25 of band) | 0.82% |
| Net interest margin | 2.89% (p15 of band) | 3.64% |
| Efficiency ratio | 75.50% (p56 of band) | |
| Noncurrent loans | 0.34% (p36 of band) | 0.67% |
| Net charge-offs (annualized) | 0.10% (p72 of band) | |
| Reserve coverage of noncurrent | 84.99% | |
| Real estate % of loans | 68% | |
| Construction % of loans | 108.25% (p96 of band) | |
| Auto loans | $2.1M (1.33% of loans; DQ 0.33%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 0.6% | |
| Employees | 74 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 0 |  | capital falling |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | reserve under noncurrent |  |
| 2015-06 | 3 | assets shrinking, uninsured deposits leaving |  |
| 2015-09 | 2 |  | assets shrinking |
| 2015-12 | 3 | construction >100% equity |  |

## 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=16207 (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/15.json (key "16207", 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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