# FIRST BANK&TRUST CO
DAWSON, TX · FDIC certificate 3167 · asset band <$300M · latest filing 2016-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (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 | $38.0M | |
| Deposits | $35.3M | |
| Loans and leases | $12.6M | |
| Total equity | $2.7M | |
| Loans / deposits | 35.45% (p7 of band) | 74.58% |
| Liquid assets / assets | 64.78% (p92 of band) | |
| Uninsured deposits / deposits | 8.88% (p26 of band) | 14.02% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 6.61% (p2 of band) | 10.79% |
| Unrealized securities loss / equity | 8.62% (p91 of band) | 2.02% |
| AOCI / equity | 10.15% (p99 of band) | |
| ROA (annualized) | 0.18% (p10 of band) | 0.86% |
| Net interest margin | 3.03% (p18 of band) | 3.65% |
| Efficiency ratio | 94.05% (p90 of band) | |
| Noncurrent loans | 1.41% (p71 of band) | 0.67% |
| Net charge-offs (annualized) | 0.16% (p85 of band) | |
| Reserve coverage of noncurrent | 61.80% | |
| Real estate % of loans | 47% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $502,000 (3.98% of loans; DQ 5.18%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -3.5% | |
| Employees | 11 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **expense ratio p90** (`earn_efficiency`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | leverage <7%, losing money, expense ratio p90, reserve under noncurrent |  |
| 2011-06 | 2 |  | losing money, expense ratio p90 |
| 2011-09 | 4 | capital falling, expense ratio p90 |  |
| 2011-12 | 4 |  |  |
| 2012-03 | 2 | charge-offs p90 | reserve under noncurrent, capital falling, expense ratio p90 |
| 2012-06 | 1 |  | charge-offs p90 |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | reserve under noncurrent |  |
| 2013-03 | 2 | expense ratio p90 | reserve under noncurrent |
| 2013-06 | 4 | AOCI drag >20% of equity, securities losses >30% of equity, reserve under noncurrent | expense ratio p90 |
| 2013-09 | 5 | expense ratio p90 |  |
| 2013-12 | 4 |  | expense ratio p90 |
| 2014-03 | 2 | capital falling | AOCI drag >20% of equity, securities losses >30% of equity, reserve under noncurrent |
| 2014-06 | 1 |  | capital falling |
| 2014-09 | 1 |  |  |
| 2014-12 | 3 | capital falling, reserve under noncurrent |  |
| 2015-03 | 3 | expense ratio p90, uninsured deposits leaving | capital falling, reserve under noncurrent |
| 2015-06 | 3 |  |  |
| 2015-09 | 2 |  | uninsured deposits leaving |
| 2015-12 | 4 | losing money, reserve under noncurrent |  |
| 2016-03 | 2 |  | losing money, reserve under noncurrent |
| 2016-06 | 3 | reserve under noncurrent |  |

## 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=3167 (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/31.json (key "3167", 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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