# FIRST NB&T CO OF JUNC CTY KS
JUNCTION CITY, KS · FDIC certificate 4701 · asset band <$300M · latest filing 2014-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (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 | $107.4M | |
| Deposits | $68.7M | |
| Loans and leases | $44.6M | |
| Total equity | $15.5M | |
| Loans / deposits | 63.78% (p37 of band) | 71.36% |
| Liquid assets / assets | 51.52% (p80 of band) | |
| Uninsured deposits / deposits | 18.24% (p72 of band) | 12.72% |
| Brokered deposits | 7.19% | |
| Wholesale funding | 28.58% (p99 of band) | |
| FHLB advances / assets | 17.69% | |
| Tier 1 leverage | 10.28% (p46 of band) | 10.52% |
| Unrealized securities loss / equity | 10.07% (p98 of band) | 0.17% |
| AOCI / equity | 6.68% (p89 of band) | |
| ROA (annualized) | 1.49% (p84 of band) | 0.81% |
| Net interest margin | 2.95% (p16 of band) | 3.65% |
| Efficiency ratio | 60.29% (p19 of band) | |
| Noncurrent loans | 3.85% (p90 of band) | 0.86% |
| Net charge-offs (annualized) | 0.02% (p49 of band) | |
| Reserve coverage of noncurrent | 47.53% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 14.42% (p47 of band) | |
| Auto loans | $226,000 (0.51% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $30,000 (0% of equity) (p97 of band) | |
| Deposits YoY | -5.2% | |
| Employees | 28 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | wholesale funding >15% |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | reserve under noncurrent |  |
| 2013-03 | 3 | noncurrent p90 |  |
| 2013-06 | 3 |  |  |
| 2013-09 | 4 | uninsured deposits leaving |  |
| 2013-12 | 2 |  | noncurrent p90, uninsured deposits leaving |
| 2014-03 | 4 | capital falling, noncurrent p90 |  |
| 2014-06 | 3 |  | noncurrent p90 |
| 2014-09 | 4 | noncurrent p90, deposits shrinking | capital falling |

## 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=4701 (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/29.json (key "4701", 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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