# FIRST NB OF THE ROCKIES
GRAND JUNCTION, CO · FDIC certificate 3041 · asset band $300M-1B · latest filing 2014-06 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $345.4M | |
| Deposits | $305.7M | |
| Loans and leases | $137.3M | |
| Total equity | $34.9M | |
| Loans / deposits | 44.35% (p5 of band) | 79.05% |
| Liquid assets / assets | 51.31% (p90 of band) | |
| Uninsured deposits / deposits | 26.43% (p74 of band) | 18.17% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p5 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.81% (p45 of band) | 10.01% |
| Unrealized securities loss / equity | -2.19% (p11 of band) | 0.54% |
| AOCI / equity | 6.08% (p91 of band) | |
| ROA (annualized) | 0.61% (p28 of band) | 0.86% |
| Net interest margin | 3.08% (p19 of band) | 3.60% |
| Efficiency ratio | 88.43% (p90 of band) | |
| Noncurrent loans | 1.38% (p62 of band) | 1.03% |
| Net charge-offs (annualized) | -0.02% (p11 of band) | |
| Reserve coverage of noncurrent | 90.59% | |
| Real estate % of loans | 78% | |
| Construction % of loans | 50.01% (p67 of band) | |
| Auto loans | $625,000 (0.46% of loans; DQ 1.12%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 9.0% | |
| Employees | 88 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 6 | losing money, expense ratio p90, noncurrent p90, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 5 |  | construction >100% equity |
| 2011-09 | 4 |  | charge-offs p90 |
| 2011-12 | 5 | capital falling |  |
| 2012-03 | 3 |  | losing money, capital falling |
| 2012-06 | 4 | uninsured deposits leaving |  |
| 2012-09 | 3 |  | noncurrent p90 |
| 2012-12 | 4 | deposits shrinking |  |
| 2013-03 | 3 |  | uninsured deposits leaving |
| 2013-06 | 2 |  | deposits shrinking |
| 2013-09 | 2 |  |  |
| 2013-12 | 3 | capital falling |  |
| 2014-03 | 2 |  | expense ratio p90 |
| 2014-06 | 2 | expense ratio p90 | capital falling |

## 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=3041 (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/33.json (key "3041", 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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