# FIRST NB OF ORDWAY
ORDWAY, CO · FDIC certificate 3045 · asset band <$300M · latest filing 2011-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (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 | $43.5M | |
| Deposits | $37.1M | |
| Loans and leases | $26.9M | |
| Total equity | $4.7M | |
| Loans / deposits | 69.77% (p49 of band) | 70.28% |
| Liquid assets / assets | 34.69% (p52 of band) | |
| Uninsured deposits / deposits | 5.37% (p33 of band) | 8.25% |
| Brokered deposits | 19.26% | |
| Wholesale funding | 22.71% (p97 of band) | |
| FHLB advances / assets | 3.45% | |
| Tier 1 leverage | 9.93% (p50 of band) | 9.92% |
| Unrealized securities loss / equity | -0.23% (p7 of band) | 3.23% |
| AOCI / equity | 0.44% (p37 of band) | |
| ROA (annualized) | 0.09% (p19 of band) | 0.69% |
| Net interest margin | 3.13% (p14 of band) | 3.86% |
| Efficiency ratio | 99.86% (p89 of band) | |
| Noncurrent loans | 6.09% (p90 of band) | 1.38% |
| Net charge-offs (annualized) | 0.42% (p72 of band) | |
| Reserve coverage of noncurrent | 63.11% | |
| Real estate % of loans | 79% | |
| Construction % of loans | 38.77% (p71 of band) | |
| Auto loans | $121,000 (0.45% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | – | |
| Employees | 13 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | brokered >10%, wholesale funding >15%, losing money, expense ratio p90, reserve under noncurrent |  |
| 2011-06 | 5 |  |  |
| 2011-09 | 4 |  | losing money |
| 2011-12 | 4 | noncurrent p90 | 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=3045 (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/37.json (key "3045", 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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