# FIRST NATIONAL BANK OF OGDEN
OGDEN, IL · FDIC certificate 3718 · asset band <$300M · latest filing 2014-03 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $105.8M | |
| Deposits | $95.6M | |
| Loans and leases | $65.2M | |
| Total equity | $9.2M | |
| Loans / deposits | 67.33% (p49 of band) | 68.03% |
| Liquid assets / assets | 36.75% (p51 of band) | |
| Uninsured deposits / deposits | 11.56% (p47 of band) | 12.24% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.70% (p44 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.63% (p18 of band) | 10.34% |
| Unrealized securities loss / equity | 1.92% (p85 of band) | -0.15% |
| AOCI / equity | -0.27% (p2 of band) | |
| ROA (annualized) | 0.71% (p48 of band) | 0.74% |
| Net interest margin | 3.08% (p22 of band) | 3.59% |
| Efficiency ratio | 69.67% (p38 of band) | |
| Noncurrent loans | 0.73% (p44 of band) | 0.94% |
| Net charge-offs (annualized) | 0.03% (p68 of band) | |
| Reserve coverage of noncurrent | 170.53% | |
| Real estate % of loans | 64% | |
| Construction % of loans | 15.31% (p50 of band) | |
| Auto loans | $499,000 (0.77% of loans; DQ 0.80%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -1.7% | |
| Employees | 23 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | leverage <7%, reserve under noncurrent |  |
| 2011-06 | 1 |  | leverage <7% |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 4 | leverage <7%, losing money, charge-offs p90 | reserve under noncurrent |
| 2013-09 | 2 |  | capital falling, leverage <7% |
| 2013-12 | 1 |  | losing money |
| 2014-03 | 0 |  | charge-offs p90 |

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

- 2023-05-02 [Bank Notes Touch Down in Small Town - Numismatic News](https://news.google.com/rss/articles/CBMihAFBVV95cUxOSUc2TWN1Wm42d0VPcVZRWFNGZnhDMEZLWEl0cWFwYVhkUlZkNUQ3Z0VIaTN1c2pZSWlkOHAwcE45S0NLVWRqSXlDNllVVVVabnZEM19tU3Q0bE0zVmpKQ2ZPamRENkJxdklfNUltZldhc2l3NDZGeC15aXVLS2RVNjk2TUg?oc=5) · Numismatic News
- 2025-07-07 [Carolyn J. Sadler - View Obituary & Service Information - Loose Funeral Homes & Crematory](https://news.google.com/rss/articles/CBMickFVX3lxTE5YZEdMd3ppVU5YVzVGblJaWDdDMlh2Y1dnR1k1RUhPdFNMVUNJR3VRZDQ0TFUxblE1cDQ1dWxFaHBWWlNaYmV6TE85T1M0VEpISVByWGd5VEh6VHAtUkZvRDRKVE9tNXJOX19mejJRdDN4Zw?oc=5) · Loose Funeral Homes &amp; Crematory
- 2024-06-03 [Bruce Voges Obituary (2024) - Saint Joseph, IL - The News-Gazette - Legacy obituary](https://news.google.com/rss/articles/CBMikAFBVV95cUxQUUp5M3VNdUtDWGdTLXQ3MzVCV3BkWU0taHhjTTllSzByOHBGUnR6S0JVQ2dfbEd2UmppN1pqNXdBUElmd0oyZmlXWHdvemxLNFZSWnNSMTlSNEMwTVlmVDc1M0dZajNzalNvcG5CeTlkVnYyTUt3NzNRYkpYWHF4blFpVWRmZ2lTOWRJRHhzZGs?oc=5) · Legacy obituary
- 2022-05-07 [Name Dropping | St. Matthew School 'hero' Wilberg to retire - The News-Gazette](https://news.google.com/rss/articles/CBMi4wFBVV95cUxObVpvbjN1cnlORkdOT2xKbWVmZ2tEYnhBSlljdHozM0JnOFZ1dUpvalpMUFdLN1pZOVFHZ0Y5dHpaS2RPLTYzVnZOQ0hmM000VzdyN2ZEWTZfTU1tNlRQd1hXcWI2RWszUkxPamh4c0ttLVBFQkpJM0d6TFZ3NEt3dmRjMlh6Q1J4ZVdHTVRkWFdkWlQtSHFUaVczUVBLRmhnTkxENTlCTjRqNVQxSklSUlRmcEZpYWdSN1BuZTBJZUN4dmZtUjNLNzVCTXlkb0RjR202Y2doQU9rMmU2Q2lrMlJoQQ?oc=5) · The News-Gazette
- 2008-12-22 [Brittany Babb Obituary (2008) - Champaign/Urbana, IL - The News-Gazette - Legacy obituary](https://news.google.com/rss/articles/CBMikwFBVV95cUxPTzUwREh0TU1qTTRTS0F5ZGR5bmNneVltaE1XTFZZZlJhTnB0RGdIVmVsdVpDSDV6X2pNVnQ3ZnlILV83ZkxXVFhZQ0NVSXVOdGFEdTNGLU1hdkVTUXRSZ2lrU0QtYXdUTXRPc2tVcWJZWFV2X3dDUGx3ZjdkbktacjFXY0ExOWg1MDhHQlhqdzBsaHM?oc=5) · Legacy obituary
- 2009-07-05 [J.A. Knight Obituary (2009) - Champaign/Urbana, IL - The News-Gazette - Legacy obituary](https://news.google.com/rss/articles/CBMijwFBVV95cUxOeW5mQWJjRmw3ODA4M0g1cFpxdWxVakgzbnNWVEh0SEVkT1BYTmRqdkdmNUhkNkE2eEVyWlRSREt2aTcyREQ5SU9LZl9YLWJoaWdxb1ZZYlRXX2s1ZVJkY3p1MW1kZGRqZXV4NUVjUE5fdFRoVTNKQXU2YlFOWWNMaTdPUkFqZ1E5Mm9pQ1N5TQ?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3718 (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/6.json (key "3718", 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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