# FIRST NB OF SOUTHERN KANSAS
MOUNT HOPE, KS · FDIC certificate 4734 · asset band <$300M · latest filing 2012-06 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $67.5M | |
| Deposits | $60.2M | |
| Loans and leases | $29.9M | |
| Total equity | $6.4M | |
| Loans / deposits | 48.19% (p17 of band) | 69.17% |
| Liquid assets / assets | 50.13% (p78 of band) | |
| Uninsured deposits / deposits | 7.21% (p43 of band) | 8.28% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.27% (p38 of band) | |
| FHLB advances / assets | 0.27% | |
| Tier 1 leverage | 9.90% (p48 of band) | 10.02% |
| Unrealized securities loss / equity | 2.92% (p47 of band) | 3.21% |
| AOCI / equity | 0.28% (p62 of band) | |
| ROA (annualized) | 0.11% (p15 of band) | 0.78% |
| Net interest margin | 4.11% (p70 of band) | 3.76% |
| Efficiency ratio | 93.04% (p85 of band) | |
| Noncurrent loans | 2.34% (p67 of band) | 1.31% |
| Net charge-offs (annualized) | 0.02% (p39 of band) | |
| Reserve coverage of noncurrent | 121.60% | |
| Real estate % of loans | 59% | |
| Construction % of loans | 27.89% (p66 of band) | |
| Auto loans | $779,000 (2.61% of loans; DQ 0.51%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 10.7% | |
| Employees | 23 | |

## Flags firing in the latest filing

- none

## 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 | 2 | capital falling, losing money |  |
| 2012-06 | 0 |  | capital falling, losing money |

## 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=4734 (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/62.json (key "4734", 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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