# FIRST NB OF FAIRBURY
FAIRBURY, NE · FDIC certificate 5400 · asset band <$300M · latest filing 2018-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. 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 | $142.9M | |
| Deposits | $112.9M | |
| Loans and leases | $58.4M | |
| Total equity | $23.9M | |
| Loans / deposits | 51.04% (p15 of band) | 77.51% |
| Liquid assets / assets | 53.31% (p85 of band) | |
| Uninsured deposits / deposits | 23.83% (p78 of band) | 15.78% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 4.16% (p62 of band) | |
| FHLB advances / assets | 0.70% | |
| Tier 1 leverage | 17.23% (p89 of band) | 11.30% |
| Unrealized securities loss / equity | -2.62% (p40 of band) | -1.85% |
| AOCI / equity | -2.12% (p24 of band) | |
| ROA (annualized) | -0.36% (p3 of band) | 0.99% |
| Net interest margin | 3.19% (p18 of band) | 3.82% |
| Efficiency ratio | 97.22% (p95 of band) | |
| Noncurrent loans | 0.40% (p44 of band) | 0.53% |
| Net charge-offs (annualized) | 0.01% (p42 of band) | |
| Reserve coverage of noncurrent | 354.74% | |
| Real estate % of loans | 44% | |
| Construction % of loans | 6.07% (p31 of band) | |
| Auto loans | $2.1M (3.62% of loans; DQ 7.43%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 2.7% | |
| Employees | 28 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | wholesale funding >15% |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 1 |  | capital falling |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | wholesale funding >15% |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 3 | capital falling, AOCI drag >20% of equity, assets shrinking |  |
| 2013-09 | 1 |  | capital falling, assets shrinking |
| 2013-12 | 2 | assets shrinking |  |
| 2014-03 | 1 | capital falling | AOCI drag >20% of equity, assets shrinking |
| 2014-06 | 1 |  |  |
| 2014-09 | 0 |  | capital falling |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 0 |  |  |
| 2016-12 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2017-03 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | assets shrinking |  |
| 2018-06 | 1 | losing money | assets shrinking |
| 2018-09 | 0 |  | losing money |
| 2018-12 | 2 | losing money, expense ratio 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=5400 (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/24.json (key "5400", 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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