# FIRST BANK OF MISSOURI
GLADSTONE, MO · FDIC certificate 18815 · asset band $300M-1B · latest filing 2016-12 · 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 | $476.4M | |
| Deposits | $366.1M | |
| Loans and leases | $285.6M | |
| Total equity | $79.3M | |
| Loans / deposits | 76.48% (p34 of band) | 83.90% |
| Liquid assets / assets | 38.13% (p79 of band) | |
| Uninsured deposits / deposits | 17.02% (p35 of band) | 21.07% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 6.38% (p51 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 16.76% (p96 of band) | 10.15% |
| Unrealized securities loss / equity | -3.82% (p16 of band) | -0.98% |
| AOCI / equity | -2.64% (p23 of band) | |
| ROA (annualized) | 1.08% (p63 of band) | 0.94% |
| Net interest margin | 3.42% (p37 of band) | 3.62% |
| Efficiency ratio | 55.10% (p15 of band) | |
| Noncurrent loans | 0.39% (p34 of band) | 0.61% |
| Net charge-offs (annualized) | 0.07% (p65 of band) | |
| Reserve coverage of noncurrent | 497.96% | |
| Real estate % of loans | 73% | |
| Construction % of loans | 60.92% (p68 of band) | |
| Auto loans | $550,000 (0.19% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 1.7% | |
| Employees | 100 | |

## Flags firing in the latest filing

- none

## 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 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | reserve under noncurrent |  |
| 2013-12 | 1 | deposits shrinking | reserve under noncurrent |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 2 | charge-offs p90 |  |
| 2014-12 | 1 |  | deposits shrinking |
| 2015-03 | 1 |  |  |
| 2015-06 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving | charge-offs p90 |
| 2015-09 | 2 | charge-offs p90 | deposits shrinking, assets shrinking |
| 2015-12 | 3 | assets shrinking |  |
| 2016-03 | 1 |  | charge-offs p90, assets shrinking |
| 2016-06 | 0 |  | uninsured deposits leaving |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |

## 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=18815 (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/63.json (key "18815", 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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