# 1ST BANK OF TROY
TROY, KS · FDIC certificate 4788 · asset band <$300M · latest filing 2013-03 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (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 | $25.0M | |
| Deposits | $22.6M | |
| Loans and leases | $9.3M | |
| Total equity | $2.4M | |
| Loans / deposits | 40.80% (p12 of band) | 66.54% |
| Liquid assets / assets | 59.62% (p86 of band) | |
| Uninsured deposits / deposits | 13.55% (p58 of band) | 11.77% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p19 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.93% (p28 of band) | 10.04% |
| Unrealized securities loss / equity | 2.29% (p48 of band) | 2.48% |
| AOCI / equity | -0.55% (p31 of band) | |
| ROA (annualized) | 0.05% (p12 of band) | 0.72% |
| Net interest margin | 2.76% (p14 of band) | 3.55% |
| Efficiency ratio | 60.89% (p20 of band) | |
| Noncurrent loans | 4.19% (p85 of band) | 1.19% |
| Net charge-offs (annualized) | -0.12% (p4 of band) | |
| Reserve coverage of noncurrent | 21.79% | |
| Real estate % of loans | 43% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $649,000 (6.97% of loans; DQ 2.16%, NCO -0.12%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -5.9% | |
| Employees | 6 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)

## 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 | 1 | capital falling |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 2 | losing money, reserve under noncurrent |  |
| 2013-03 | 2 | deposits shrinking | 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=4788 (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/52.json (key "4788", 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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