# FIRST NATIONAL BANK OF VOLGA
VOLGA, SD · FDIC certificate 4024 · asset band <$300M · latest filing 2013-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $49.4M | |
| Deposits | $42.7M | |
| Loans and leases | $30.9M | |
| Total equity | $6.6M | |
| Loans / deposits | 72.38% (p56 of band) | 69.26% |
| Liquid assets / assets | 29.32% (p38 of band) | |
| Uninsured deposits / deposits | 12.37% (p49 of band) | 12.49% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.22% (p30 of band) | 10.29% |
| Unrealized securities loss / equity | -0.56% (p55 of band) | -1.01% |
| AOCI / equity | -0.56% (p76 of band) | |
| ROA (annualized) | 0.01% (p10 of band) | 0.76% |
| Net interest margin | 0.17% (p1 of band) | 3.63% |
| Efficiency ratio | 92.11% (p84 of band) | |
| Noncurrent loans | 0.02% (p13 of band) | 0.94% |
| Net charge-offs (annualized) | 0.00% (p20 of band) | |
| Reserve coverage of noncurrent | 0.00% | |
| Real estate % of loans | 55% | |
| Construction % of loans | 4.54% (p27 of band) | |
| Auto loans | $1.1M (3.66% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 0.3% | |
| Employees | 15 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **NIM <2.5%** (`earn_nim`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | capital falling |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 3 | capital falling, NIM <2.5%, reserve under noncurrent |  |

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

- 2012-08-12 [Jan Thompson Obituary Aug 12, 2012 - Eidsness Funeral and Cremation Services](https://news.google.com/rss/articles/CBMia0FVX3lxTE0tZ3diOU1lZjNXbHZaOUJSWlVLRndyRWlYRXFsRUpDTDRCUWJyX3M4d1A5VzlZUk5pbXBqX2VyOWUtV1hySFlOazRDZjRrbHVud3FXckFuWlBtRVBBM3Y0RUdrcDlSTWJkNlg4?oc=5) · Eidsness Funeral and Cremation Services
- 2014-04-22 [Increased regulations threaten small banks - Argus Leader](https://news.google.com/rss/articles/CBMiugFBVV95cUxQWnZYb0tNM0N0Q3RyUVZyZEh2Wm5Ed2dzc09iTmE3Q0cwaU5oaUNxb2Vxd3U0Y3JQYlZtY3ctQXdzb092bVJjeW4wcXNfZXBzdkJRREFzRkNRaWt1ZFl0cjc0akhtMTVORUMyaVcwRng0NVVrUmpoT2pJUEh3ak1lbmZ2QV91QWMyNno3R1VSTUVqUFFVa2ZaR3lMVzAzVWlRQjBVVjk0cl96N1VfR1dzUWE1UWVsVWdDQ1E?oc=5) · Argus Leader
- 2022-12-29 [Ness To Retire As CEO Of First Dakota Bank - yankton.net](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPRnFTNFVZRWpkc3RuYnhKTW5sQ3lvX2x1bTdTZklkSk9fZnQxRFNNTlE3MTZycVpvek45LXdVdGlyNmVwN185R0M2dFg3aWFyejJNWVFZVVlYOW1ieHNwd2R5Qmg1SXY5U1piLVZfaWh4Q3duYzhvUUhGN1VzbTlUQ0Q4RzJUZi1LSTFv?oc=5) · yankton.net

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4024 (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/56.json (key "4024", 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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