# FIRST FSB OF IOWA
FORT DODGE, IA · FDIC certificate 30742 · asset band $300M-1B · latest filing 2012-03 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $434.9M | |
| Deposits | $365.6M | |
| Loans and leases | $320.3M | |
| Total equity | $40.5M | |
| Loans / deposits | 85.97% (p75 of band) | 74.71% |
| Liquid assets / assets | 20.84% (p22 of band) | |
| Uninsured deposits / deposits | 3.47% (p8 of band) | 12.43% |
| Brokered deposits | 0.13% | |
| Wholesale funding | 6.05% (p49 of band) | |
| FHLB advances / assets | 5.92% | |
| Tier 1 leverage | 8.97% (p37 of band) | 9.54% |
| Unrealized securities loss / equity | 3.34% (p50 of band) | 3.32% |
| AOCI / equity | -0.13% (p37 of band) | |
| ROA (annualized) | 0.13% (p10 of band) | 0.80% |
| Net interest margin | 3.79% (p58 of band) | 3.67% |
| Efficiency ratio | 87.53% (p89 of band) | |
| Noncurrent loans | 1.53% (p40 of band) | 1.96% |
| Net charge-offs (annualized) | 0.01% (p25 of band) | |
| Reserve coverage of noncurrent | 122.42% | |
| Real estate % of loans | 94% | |
| Construction % of loans | 6.30% (p12 of band) | |
| Auto loans | $11.6M (3.62% of loans; DQ 1.02%, NCO 0.02%) | |
| Loans to nondepository financials | $0 (0% of equity) (p46 of band) | |
| Deposits YoY | -0.9% | |
| Employees | 140 | |

## Flags firing in the latest filing

- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 0 |  | reserve under noncurrent |
| 2012-03 | 2 | assets shrinking, uninsured deposits leaving |  |

## 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=30742 (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/22.json (key "30742", 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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