# FULLERTON NATIONAL BANK
FULLERTON, NE · FDIC certificate 5406 · asset band <$300M · latest filing 2017-12 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $44.9M | |
| Deposits | $30.1M | |
| Loans and leases | $32.2M | |
| Total equity | $5.4M | |
| Loans / deposits | 105.21% (p94 of band) | 75.88% |
| Liquid assets / assets | 26.45% (p41 of band) | |
| Uninsured deposits / deposits | 10.43% (p27 of band) | 15.42% |
| Brokered deposits | 5.52% | |
| Wholesale funding | 26.44% (p98 of band) | |
| FHLB advances / assets | 20.66% | |
| Tier 1 leverage | 11.91% (p64 of band) | 10.88% |
| Unrealized securities loss / equity | -0.22% (p63 of band) | -0.66% |
| AOCI / equity | 0.17% (p60 of band) | |
| ROA (annualized) | 1.54% (p86 of band) | 0.85% |
| Net interest margin | 3.73% (p50 of band) | 3.74% |
| Efficiency ratio | 57.27% (p14 of band) | |
| Noncurrent loans | 0.00% (p8 of band) | 0.56% |
| Net charge-offs (annualized) | 0.01% (p39 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 29% | |
| Construction % of loans | 0.50% (p15 of band) | |
| Auto loans | $871,000 (2.70% of loans; DQ 0.11%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -5.2% | |
| Employees | 9 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)
- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 4 | loans exceed deposits, wholesale funding >15%, capital falling |  |
| 2011-12 | 4 |  |  |
| 2012-03 | 1 |  | reserve under noncurrent, loans exceed deposits, capital falling |
| 2012-06 | 3 | loans exceed deposits, uninsured deposits leaving |  |
| 2012-09 | 3 | capital falling | uninsured deposits leaving |
| 2012-12 | 1 |  | loans exceed deposits, capital falling |
| 2013-03 | 1 |  |  |
| 2013-06 | 2 | capital falling |  |
| 2013-09 | 2 | loans exceed deposits | capital falling |
| 2013-12 | 1 |  | loans exceed deposits |
| 2014-03 | 1 | uninsured deposits leaving | wholesale funding >15% |
| 2014-06 | 1 | wholesale funding >15% | uninsured deposits leaving |
| 2014-09 | 3 | loans exceed deposits, capital falling |  |
| 2014-12 | 3 | uninsured deposits leaving | loans exceed deposits |
| 2015-03 | 1 |  | wholesale funding >15%, uninsured deposits leaving |
| 2015-06 | 2 | loans exceed deposits, wholesale funding >15% | capital falling |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 1 |  | loans exceed deposits |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | loans exceed deposits |  |
| 2016-12 | 2 | capital falling | loans exceed deposits |
| 2017-03 | 1 |  | capital falling |
| 2017-06 | 4 | loans exceed deposits, deposits shrinking, uninsured deposits leaving |  |
| 2017-09 | 2 |  | deposits shrinking, uninsured deposits leaving |
| 2017-12 | 3 | deposits shrinking |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2022-02-01 [Rita Dubas Obituary (1954 - 2022) - Fullerton, NE - The Columbus Telegram - legacy.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxQLUt2eG1DQ0lQb2RUdHJKMDByQW9DTXFNazR0X25HX012OWhHLVFScXROTUdDcW9WTTlZaHZ4X1hFR3FIQWx3VVFOOUU4ZlF1VUhPMHNfY2dMdWMtajBwaXYxbTNWTGVYQ2JCa25mRzd5OG9iYURRQV9EU1pqSURVU0t1TWdmUnFTOGpIcEhmdUg1VGh5?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5406 (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/30.json (key "5406", 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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