# FIRST SECURITY BK MISSOULA
MISSOULA, MT · FDIC certificate 21010 · asset band $1-10B · latest filing 2012-03 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (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 | $1.12B | |
| Deposits | $733.6M | |
| Loans and leases | $565.2M | |
| Total equity | $139.2M | |
| Loans / deposits | 73.83% (p44 of band) | 77.46% |
| Liquid assets / assets | 44.97% (p84 of band) | |
| Uninsured deposits / deposits | 10.16% (p28 of band) | 17.92% |
| Brokered deposits | 8.85% | |
| Wholesale funding | 30.12% (p92 of band) | |
| FHLB advances / assets | 15.93% | |
| Tier 1 leverage | 10.47% (p70 of band) | 9.50% |
| Unrealized securities loss / equity | 9.13% (p86 of band) | 3.21% |
| AOCI / equity | 0.97% (p92 of band) | |
| ROA (annualized) | 0.99% (p61 of band) | 0.85% |
| Net interest margin | 3.91% (p66 of band) | 3.63% |
| Efficiency ratio | 46.64% (p11 of band) | |
| Noncurrent loans | 5.24% (p81 of band) | 2.15% |
| Net charge-offs (annualized) | 0.40% (p67 of band) | |
| Reserve coverage of noncurrent | 79.74% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 36.22% (p56 of band) | |
| Auto loans | $6.0M (1.06% of loans; DQ 1.37%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p40 of band) | |
| Deposits YoY | 4.6% | |
| Employees | 183 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 3 | brokered >10% |  |
| 2012-03 | 2 |  | brokered >10% |

## 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=21010 (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/18.json (key "21010", 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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