# FIRST GUARANTY B&T JACKSONVI
JACKSONVILLE, FL · FDIC certificate 16579 · asset band $300M-1B · latest filing 2011-12 · FAILED

**Verdict on the desk:** this could be *credit-stressed*. Composite score 10 (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 | $397.1M | |
| Deposits | $378.3M | |
| Loans and leases | $273.1M | |
| Total equity | $2.4M | |
| Loans / deposits | 68.20% (p31 of band) | 76.92% |
| Liquid assets / assets | 23.65% (p33 of band) | |
| Uninsured deposits / deposits | 3.14% (p8 of band) | 12.31% |
| Brokered deposits | 4.21% | |
| Wholesale funding | 7.99% (p55 of band) | |
| FHLB advances / assets | 3.78% | |
| Tier 1 leverage | 0.60% (p1 of band) | 9.47% |
| Unrealized securities loss / equity | 0.33% (p17 of band) | 3.82% |
| AOCI / equity | -4.07% (p1 of band) | |
| ROA (annualized) | -2.47% (p3 of band) | 0.70% |
| Net interest margin | 1.88% (p2 of band) | 3.76% |
| Efficiency ratio | 202.68% (p100 of band) | |
| Noncurrent loans | 35.33% (p100 of band) | 2.06% |
| Net charge-offs (annualized) | 1.21% (p86 of band) | |
| Reserve coverage of noncurrent | 15.68% | |
| Real estate % of loans | 97% | |
| Construction % of loans | 593.06% (p100 of band) | |
| Auto loans | $92,000 (0.03% of loans; DQ 18.48%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | – | |
| Employees | 80 | |

## 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`)
- **NIM <2.5%** (`earn_nim`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 12 | brokered >10%, wholesale funding >15%, leverage <7%, leverage <5%, losing money, expense ratio p90, NIM <2.5%, noncurrent p90, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 12 |  |  |
| 2011-09 | 12 |  |  |
| 2011-12 | 10 | capital falling | brokered >10%, wholesale funding >15%, charge-offs p90 |

## 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=16579 (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/3.json (key "16579", 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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