# FIRST SECURITY BANK NA
FLOWER MOUND, TX · FDIC certificate 17209 · asset band <$300M · latest filing 2013-09 · stopped filing (departed)

**Verdict on the desk:** this could be *fortress*. Composite score 0 (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 | $173.2M | |
| Deposits | $150.7M | |
| Loans and leases | $123.7M | |
| Total equity | $21.3M | |
| Loans / deposits | 80.61% (p72 of band) | 69.26% |
| Liquid assets / assets | 22.07% (p21 of band) | |
| Uninsured deposits / deposits | 13.20% (p56 of band) | 11.87% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.70% (p56 of band) | 10.33% |
| Unrealized securities loss / equity | 1.63% (p87 of band) | -0.53% |
| AOCI / equity | -4.55% (p40 of band) | |
| ROA (annualized) | 2.03% (p94 of band) | 0.77% |
| Net interest margin | 4.78% (p93 of band) | 3.62% |
| Efficiency ratio | 50.86% (p7 of band) | |
| Noncurrent loans | 0.14% (p19 of band) | 1.08% |
| Net charge-offs (annualized) | -0.02% (p11 of band) | |
| Reserve coverage of noncurrent | 1312.43% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 77.81% (p91 of band) | |
| Auto loans | $1.3M (1.02% of loans; DQ 1.50%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 9.5% | |
| Employees | 35 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 2 | construction >100% equity |  |
| 2011-09 | 1 |  | construction >100% equity |
| 2011-12 | 1 |  |  |
| 2012-03 | 0 |  | reserve under noncurrent |
| 2012-06 | 2 | capital falling, reserve under noncurrent |  |
| 2012-09 | 1 |  | reserve under noncurrent |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 0 |  | capital falling |

## 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=17209 (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/57.json (key "17209", 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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