# GARDEN CITY STATE BANK
GARDEN CITY, KS · FDIC certificate 35414 · asset band <$300M · latest filing 2012-09 · stopped filing (departed)

**Verdict on the desk:** this could be *fortress*. Composite score 0 (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 | $70.8M | |
| Deposits | $60.8M | |
| Loans and leases | $57.1M | |
| Total equity | $9.3M | |
| Loans / deposits | 92.11% (p89 of band) | 69.20% |
| Liquid assets / assets | 15.64% (p9 of band) | |
| Uninsured deposits / deposits | 0.96% (p4 of band) | 8.50% |
| Brokered deposits | 2.66% | |
| Wholesale funding | 2.66% (p55 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.82% (p79 of band) | 10.13% |
| Unrealized securities loss / equity | 1.57% (p31 of band) | 3.81% |
| AOCI / equity | 0.39% (p52 of band) | |
| ROA (annualized) | 2.64% (p97 of band) | 0.80% |
| Net interest margin | 5.32% (p97 of band) | 3.77% |
| Efficiency ratio | 51.49% (p8 of band) | |
| Noncurrent loans | 0.00% (p5 of band) | 1.27% |
| Net charge-offs (annualized) | -0.21% (p1 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 65% | |
| Construction % of loans | 17.81% (p54 of band) | |
| Auto loans | $694,000 (1.21% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 17.1% | |
| Employees | 19 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | loans exceed deposits, liquid assets <10% |  |
| 2011-06 | 4 | wholesale funding >15%, charge-offs p90 |  |
| 2011-09 | 2 |  | liquid assets <10%, charge-offs p90 |
| 2011-12 | 0 |  | loans exceed deposits, wholesale funding >15% |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |

## 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=35414 (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 "35414", 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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