# COMMUNITY 1ST BK OF GLENDIVE
GLENDIVE, MT · FDIC certificate 22974 · asset band <$300M · latest filing 2013-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. 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 | $49.5M | |
| Deposits | $44.8M | |
| Loans and leases | $22.0M | |
| Total equity | $4.7M | |
| Loans / deposits | 48.41% (p18 of band) | 69.26% |
| Liquid assets / assets | 54.61% (p83 of band) | |
| Uninsured deposits / deposits | 3.09% (p8 of band) | 11.87% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.22% (p29 of band) | 10.33% |
| Unrealized securities loss / equity | 5.33% (p97 of band) | -0.53% |
| AOCI / equity | -2.19% (p57 of band) | |
| ROA (annualized) | -0.53% (p5 of band) | 0.77% |
| Net interest margin | 2.85% (p15 of band) | 3.62% |
| Efficiency ratio | 129.09% (p98 of band) | |
| Noncurrent loans | 0.00% (p5 of band) | 1.08% |
| Net charge-offs (annualized) | 0.00% (p32 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 59% | |
| Construction % of loans | 1.57% (p19 of band) | |
| Auto loans | $400,000 (1.82% of loans; DQ 5.25%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -0.1% | |
| Employees | 12 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 2 | capital falling, reserve under noncurrent |  |
| 2012-06 | 0 |  | capital falling, reserve under noncurrent |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 2 | losing money, expense ratio p90 |  |

## 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=22974 (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/62.json (key "22974", 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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