# FIRST BANK&TRUST CO
WAGONER, OK · FDIC certificate 4219 · asset band <$300M · latest filing 2017-12 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (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 | $287.0M | |
| Deposits | $250.0M | |
| Loans and leases | $251.7M | |
| Total equity | $36.5M | |
| Loans / deposits | 99.21% (p90 of band) | 75.88% |
| Liquid assets / assets | 11.64% (p8 of band) | |
| Uninsured deposits / deposits | 18.13% (p61 of band) | 15.42% |
| Brokered deposits | 12.69% | |
| Wholesale funding | 12.69% (p88 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.51% (p70 of band) | 10.88% |
| Unrealized securities loss / equity | 0.00% (p75 of band) | -0.66% |
| AOCI / equity | 0.07% (p55 of band) | |
| ROA (annualized) | 2.54% (p97 of band) | 0.85% |
| Net interest margin | 5.02% (p96 of band) | 3.74% |
| Efficiency ratio | 49.46% (p6 of band) | |
| Noncurrent loans | 0.44% (p45 of band) | 0.56% |
| Net charge-offs (annualized) | 0.07% (p66 of band) | |
| Reserve coverage of noncurrent | 335.97% | |
| Real estate % of loans | 69% | |
| Construction % of loans | 99.39% (p95 of band) | |
| Auto loans | $6.7M (2.65% of loans; DQ 0.90%, NCO 0.00%) | |
| Loans to nondepository financials | $5.7M (16% of equity) (p99 of band) | |
| Deposits YoY | 1.3% | |
| Employees | 59 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | construction >100% equity |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 3 | loans exceed deposits, liquid assets <10% |  |
| 2012-12 | 1 |  | loans exceed deposits, liquid assets <10% |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 3 | brokered >10%, liquid assets <10% | capital falling |
| 2013-09 | 3 |  |  |
| 2013-12 | 2 |  | liquid assets <10% |
| 2014-03 | 2 |  |  |
| 2014-06 | 1 |  | brokered >10% |
| 2014-09 | 4 | loans exceed deposits, brokered >10%, liquid assets <10%, uninsured deposits leaving | construction >100% equity |
| 2014-12 | 2 | deposits shrinking, assets shrinking | loans exceed deposits, brokered >10%, liquid assets <10%, uninsured deposits leaving |
| 2015-03 | 1 | brokered >10% | deposits shrinking, assets shrinking |
| 2015-06 | 3 | loans exceed deposits, liquid assets <10% |  |
| 2015-09 | 3 |  |  |
| 2015-12 | 3 | wholesale funding >15%, uninsured deposits leaving | loans exceed deposits, liquid assets <10% |
| 2016-03 | 4 | loans exceed deposits, liquid assets <10%, construction >100% equity | wholesale funding >15%, uninsured deposits leaving |
| 2016-06 | 3 | capital falling | loans exceed deposits, liquid assets <10% |
| 2016-09 | 5 | loans exceed deposits, liquid assets <10% |  |
| 2016-12 | 4 |  | capital falling |
| 2017-03 | 0 |  | brokered >10%, construction >100% equity, loans exceed deposits, liquid assets <10% |
| 2017-06 | 2 | loans exceed deposits, liquid assets <10% |  |
| 2017-09 | 4 | construction >100% equity, deposits shrinking |  |
| 2017-12 | 1 | brokered >10% | loans exceed deposits, liquid assets <10%, construction >100% equity, deposits shrinking |

## 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=4219 (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/59.json (key "4219", 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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