# FLATHEAD BANK OF BIGFORK MT
BIGFORK, MT · FDIC certificate 20382 · asset band <$300M · latest filing 2016-06 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (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 | $222.0M | |
| Deposits | $174.6M | |
| Loans and leases | $86.7M | |
| Total equity | $27.6M | |
| Loans / deposits | 48.69% (p15 of band) | 74.58% |
| Liquid assets / assets | 54.77% (p85 of band) | |
| Uninsured deposits / deposits | 5.57% (p12 of band) | 14.02% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 8.31% (p77 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.76% (p64 of band) | 10.79% |
| Unrealized securities loss / equity | 5.46% (p79 of band) | 2.02% |
| AOCI / equity | 1.53% (p61 of band) | |
| ROA (annualized) | 0.97% (p58 of band) | 0.86% |
| Net interest margin | 3.20% (p25 of band) | 3.65% |
| Efficiency ratio | 78.99% (p67 of band) | |
| Noncurrent loans | 2.62% (p87 of band) | 0.67% |
| Net charge-offs (annualized) | 0.13% (p82 of band) | |
| Reserve coverage of noncurrent | 75.24% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 48.22% (p80 of band) | |
| Auto loans | $217,000 (0.25% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 1.1% | |
| Employees | 70 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, reserve under noncurrent |  |
| 2011-06 | 1 |  | losing money |
| 2011-09 | 3 | noncurrent p90, charge-offs p90 |  |
| 2011-12 | 4 | losing money |  |
| 2012-03 | 3 | uninsured deposits leaving | charge-offs p90, losing money |
| 2012-06 | 5 | losing money, charge-offs p90 |  |
| 2012-09 | 5 | capital falling | uninsured deposits leaving |
| 2012-12 | 5 |  |  |
| 2013-03 | 2 |  | losing money, charge-offs p90, capital falling |
| 2013-06 | 0 |  | reserve under noncurrent, noncurrent p90 |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | charge-offs p90 |  |
| 2014-09 | 1 | capital falling | charge-offs p90 |
| 2014-12 | 0 |  | capital falling |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | reserve under noncurrent |  |
| 2016-06 | 1 |  |  |

## 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=20382 (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/30.json (key "20382", 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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