# FIRST NB OF NIAGARA
NIAGARA, WI · FDIC certificate 5313 · asset band <$300M · latest filing 2016-06 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $68.4M | |
| Deposits | $59.6M | |
| Loans and leases | $33.1M | |
| Total equity | $7.6M | |
| Loans / deposits | 54.93% (p22 of band) | 74.58% |
| Liquid assets / assets | 47.35% (p77 of band) | |
| Uninsured deposits / deposits | 8.09% (p23 of band) | 14.02% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.46% (p47 of band) | |
| FHLB advances / assets | 1.46% | |
| Tier 1 leverage | 10.45% (p44 of band) | 10.79% |
| Unrealized securities loss / equity | 7.02% (p86 of band) | 2.02% |
| AOCI / equity | 2.18% (p72 of band) | |
| ROA (annualized) | 0.44% (p21 of band) | 0.86% |
| Net interest margin | 3.57% (p45 of band) | 3.65% |
| Efficiency ratio | 82.82% (p76 of band) | |
| Noncurrent loans | 2.06% (p82 of band) | 0.67% |
| Net charge-offs (annualized) | 0.20% (p88 of band) | |
| Reserve coverage of noncurrent | 53.59% | |
| Real estate % of loans | 72% | |
| Construction % of loans | 21.97% (p59 of band) | |
| Auto loans | $3.1M (9.31% of loans; DQ 1.13%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 2.4% | |
| Employees | 25 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 2 | capital falling |  |
| 2012-09 | 2 | uninsured deposits leaving | capital falling |
| 2012-12 | 1 |  | uninsured deposits leaving |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 5 | expense ratio p90, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2014-06 | 1 |  | expense ratio p90, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2014-09 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2014-12 | 4 |  |  |
| 2015-03 | 1 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 3 | capital falling, noncurrent p90 |  |
| 2016-03 | 3 | charge-offs p90 | noncurrent p90 |
| 2016-06 | 1 |  | capital falling, charge-offs p90 |

## 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=5313 (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/1.json (key "5313", 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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