# BORDER TRUST CO
AUGUSTA, ME · FDIC certificate 20012 · asset band <$300M · latest filing 2012-06 · stopped filing (departed)

**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 | $45.3M | |
| Deposits | $39.4M | |
| Loans and leases | $36.6M | |
| Total equity | $1.5M | |
| Loans / deposits | 92.31% (p90 of band) | 69.17% |
| Liquid assets / assets | 12.50% (p5 of band) | |
| Uninsured deposits / deposits | 1.82% (p9 of band) | 8.28% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 8.44% (p80 of band) | |
| FHLB advances / assets | 8.44% | |
| Tier 1 leverage | 3.29% (p1 of band) | 10.02% |
| Unrealized securities loss / equity | 3.20% (p50 of band) | 3.21% |
| AOCI / equity | 0.20% (p58 of band) | |
| ROA (annualized) | -2.63% (p2 of band) | 0.78% |
| Net interest margin | 3.79% (p51 of band) | 3.76% |
| Efficiency ratio | 178.50% (p99 of band) | |
| Noncurrent loans | 3.47% (p79 of band) | 1.31% |
| Net charge-offs (annualized) | -0.09% (p4 of band) | |
| Reserve coverage of noncurrent | 18.93% | |
| Real estate % of loans | 75% | |
| Construction % of loans | 22.22% (p59 of band) | |
| Auto loans | $1.3M (3.49% of loans; DQ 0.86%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -17.6% | |
| Employees | 21 | |

## 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`)
- **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 | 5 | leverage <7%, losing money, expense ratio p90, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 6 | leverage <5% | noncurrent p90 |
| 2011-09 | 7 | capital falling |  |
| 2011-12 | 6 |  | capital falling |
| 2012-03 | 8 | deposits shrinking, assets shrinking |  |
| 2012-06 | 10 | capital falling, uninsured deposits leaving |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2012-08-14 [Bar Harbor completes purchase of Border Trust - mainebiz.biz](https://news.google.com/rss/articles/CBMigAFBVV95cUxNVlU3YW1iYVRmZjBjMms4VmRYUmY3dkEydEFFM1FZM09OQUxzc1FwX1ZRd1BheHZUZzBNOVNCNllNOV8zOHJZTGotQW5kdDhBcDRfcGFyeTQxY1BZcWdERmRCVVoxTjc3anlvQmlmQndnbndiWk9jSTU0Q3NkaUhOQQ?oc=5) · mainebiz.biz

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=20012 (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/44.json (key "20012", 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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