# FIRST NB OF HOLCOMB
HOLCOMB, KS · FDIC certificate 24577 · asset band <$300M · latest filing 2014-06 · 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 | $47.1M | |
| Deposits | $38.6M | |
| Loans and leases | $20.5M | |
| Total equity | $7.0M | |
| Loans / deposits | 52.75% (p23 of band) | 70.22% |
| Liquid assets / assets | 49.81% (p76 of band) | |
| Uninsured deposits / deposits | 25.93% (p89 of band) | 12.36% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.12% (p51 of band) | |
| FHLB advances / assets | 2.12% | |
| Tier 1 leverage | 12.91% (p78 of band) | 10.41% |
| Unrealized securities loss / equity | -3.99% (p10 of band) | 0.24% |
| AOCI / equity | 5.45% (p85 of band) | |
| ROA (annualized) | 1.00% (p65 of band) | 0.79% |
| Net interest margin | 3.78% (p59 of band) | 3.62% |
| Efficiency ratio | 74.66% (p51 of band) | |
| Noncurrent loans | 0.13% (p21 of band) | 0.88% |
| Net charge-offs (annualized) | 0.02% (p55 of band) | |
| Reserve coverage of noncurrent | 457.69% | |
| Real estate % of loans | 29% | |
| Construction % of loans | 2.64% (p23 of band) | |
| Auto loans | $3.0M (14.79% of loans; DQ 1.55%, NCO 0.02%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -8.8% | |
| Employees | 13 | |

## Flags firing in the latest filing

- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | auto book souring |  |
| 2011-06 | 0 |  | auto book souring |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | auto book souring |  |
| 2012-06 | 0 |  | auto book souring |
| 2012-09 | 1 | auto book souring |  |
| 2012-12 | 2 | NIM <2.5%, reserve under noncurrent | auto book souring |
| 2013-03 | 3 | deposits shrinking, assets shrinking | NIM <2.5% |
| 2013-06 | 3 |  |  |
| 2013-09 | 4 | uninsured deposits leaving |  |
| 2013-12 | 3 |  | reserve under noncurrent |
| 2014-03 | 2 |  | uninsured deposits leaving |
| 2014-06 | 2 |  |  |

## 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=24577 (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/1.json (key "24577", 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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