# MONTGOMERY BANK&TRUST
AILEY, GA · FDIC certificate 19498 · asset band <$300M · latest filing 2012-06 · FAILED

**Verdict on the desk:** this could be *credit-stressed*. Composite score 11 (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 | $153.2M | |
| Deposits | $164.2M | |
| Loans and leases | $99.8M | |
| Total equity | $-16.7M | |
| Loans / deposits | 59.14% (p31 of band) | 69.17% |
| Liquid assets / assets | 14.79% (p8 of band) | |
| Uninsured deposits / deposits | 6.65% (p40 of band) | 8.28% |
| Brokered deposits | 3.92% | |
| Wholesale funding | 7.18% (p76 of band) | |
| FHLB advances / assets | 3.26% | |
| Tier 1 leverage | -9.79% (p0 of band) | 10.02% |
| Unrealized securities loss / equity | – | 3.21% |
| AOCI / equity | – | |
| ROA (annualized) | -28.97% (p0 of band) | 0.78% |
| Net interest margin | 2.79% (p10 of band) | 3.76% |
| Efficiency ratio | 0.00% (p0 of band) | |
| Noncurrent loans | 12.03% (p98 of band) | 1.31% |
| Net charge-offs (annualized) | 4.23% (p100 of band) | |
| Reserve coverage of noncurrent | 22.42% | |
| Real estate % of loans | 87% | |
| Construction % of loans | – | |
| Auto loans | $2.2M (2.19% of loans; DQ 20.40%, NCO 0.12%) | |
| Loans to nondepository financials | $0 (– of equity) | |
| Deposits YoY | -17.1% | |
| Employees | 42 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 7 | leverage <7%, losing money, NIM <2.5%, noncurrent p90, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 9 | leverage <5% |  |
| 2011-09 | 10 | capital falling |  |
| 2011-12 | 11 | expense ratio p90 |  |
| 2012-03 | 11 | deposits shrinking, assets shrinking | NIM <2.5%, expense ratio p90 |
| 2012-06 | 11 | uninsured deposits leaving | 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=19498 (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/42.json (key "19498", 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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