# FIRST NB&T CO OF COLUMBUS
COLUMBUS, NE · FDIC certificate 5393 · asset band $300M-1B · latest filing 2013-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $447.4M | |
| Deposits | $387.5M | |
| Loans and leases | $319.3M | |
| Total equity | $30.9M | |
| Loans / deposits | 81.67% (p58 of band) | 77.63% |
| Liquid assets / assets | 26.80% (p45 of band) | |
| Uninsured deposits / deposits | 20.16% (p58 of band) | 18.22% |
| Brokered deposits | 1.03% | |
| Wholesale funding | 6.90% (p56 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 7.09% (p4 of band) | 9.92% |
| Unrealized securities loss / equity | -1.87% (p44 of band) | -1.24% |
| AOCI / equity | -3.79% (p45 of band) | |
| ROA (annualized) | 0.84% (p51 of band) | 0.83% |
| Net interest margin | 3.29% (p30 of band) | 3.59% |
| Efficiency ratio | 67.08% (p42 of band) | |
| Noncurrent loans | 0.34% (p17 of band) | 1.18% |
| Net charge-offs (annualized) | 0.02% (p23 of band) | |
| Reserve coverage of noncurrent | 256.93% | |
| Real estate % of loans | 36% | |
| Construction % of loans | 12.23% (p22 of band) | |
| Auto loans | $3.9M (1.21% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $250,000 (1% of equity) (p91 of band) | |
| Deposits YoY | -3.9% | |
| Employees | 97 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## 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 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | 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=5393 (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/17.json (key "5393", 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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