# FIFE COMMERCIAL BANK
FIFE, WA · FDIC certificate 34791 · asset band <$300M · latest filing 2015-06 · 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 | $86.1M | |
| Deposits | $72.5M | |
| Loans and leases | $63.0M | |
| Total equity | $10.5M | |
| Loans / deposits | 85.33% (p73 of band) | 72.67% |
| Liquid assets / assets | 25.54% (p34 of band) | |
| Uninsured deposits / deposits | 17.28% (p67 of band) | 13.36% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.16% (p44 of band) | |
| FHLB advances / assets | 1.16% | |
| Tier 1 leverage | 11.93% (p69 of band) | 10.53% |
| Unrealized securities loss / equity | 0.17% (p50 of band) | 0.18% |
| AOCI / equity | -0.10% (p54 of band) | |
| ROA (annualized) | 2.22% (p95 of band) | 0.82% |
| Net interest margin | 4.18% (p80 of band) | 3.60% |
| Efficiency ratio | 56.17% (p12 of band) | |
| Noncurrent loans | 2.39% (p83 of band) | 0.74% |
| Net charge-offs (annualized) | -0.50% (p1 of band) | |
| Reserve coverage of noncurrent | 75.38% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 81.87% (p92 of band) | |
| Auto loans | $140,000 (0.22% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 10.4% | |
| Employees | 16 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | uninsured deposits leaving |  |
| 2012-09 | 0 |  | uninsured deposits leaving |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 2 | capital falling, construction >100% equity |  |
| 2013-12 | 1 |  | capital falling |
| 2014-03 | 0 |  | construction >100% equity |
| 2014-06 | 1 | assets shrinking |  |
| 2014-09 | 0 |  | assets shrinking |
| 2014-12 | 2 | charge-offs p90, construction >100% equity |  |
| 2015-03 | 1 | capital falling | charge-offs p90, construction >100% equity |
| 2015-06 | 2 | reserve under noncurrent |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2012-08-09 [Aaron Karl Hixenbaugh Obituary Aug 9, 2012 - Altogether Funeral](https://news.google.com/rss/articles/CBMi0wFBVV95cUxQbElaWkVoRjB2VVAxMmUxUW1FaG9zMDV6MUltNmxRWVdfakd5RlVxY2p3WWxucGZEb2R6UncxSGZhbXg4a1Z2Sy1sYVVqR1F1RXRIMmdENzQ5M1EwenhrTHV4TEZ5NllZUjIzTkxRWHo4TkxRR0R6Rm92VnlrV2V6RnFSdF9BY09kd29NWkhiOG94eDVUbS02aTRVdVB6V0xSSllVR2VCVjZIZDlxcWVBYklQNU4zMk9xSVZHRDF6UDVXem5GR1NrWXgxeTRIeWtrQnBn?oc=5) · Altogether Funeral
- 2024-05-28 [Else Halfrid Sortland Obituary Sep 28, 2010 - Altogether Funeral](https://news.google.com/rss/articles/CBMixAFBVV95cUxOM2kyV0Jfay1xczJ6cFJmeWphMHZCU2NQMHpJQmc5MFAwNFRWeElDMFY2b1Y0WHVWQ1otOWJpWnBmM1NmS2xQekN2RlJxUDJhVDRVUHRsV0hEeVdCc0FXLXdMWjRFRmROLWlZWDlFcC10S3JtNnl6SU9UQm9fSWZYZEhQMktISUgwTXM1Q1ZRVHRRVllEYkl6SlptQjNEWHF4UlhHMkVkbXVLbXJnVnFCdTBtZ3MwemFLTHI4dnBpY2p6ZUpx?oc=5) · Altogether Funeral

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34791 (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/39.json (key "34791", 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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