# FIRST NB OF BALDWIN COUNTY
FOLEY, AL · FDIC certificate 57181 · asset band <$300M · latest filing 2013-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 8 (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 | $187.9M | |
| Deposits | $183.6M | |
| Loans and leases | $128.9M | |
| Total equity | $3.6M | |
| Loans / deposits | 68.39% (p54 of band) | 66.54% |
| Liquid assets / assets | 25.52% (p25 of band) | |
| Uninsured deposits / deposits | 8.10% (p31 of band) | 11.77% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p19 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 1.94% (p0 of band) | 10.04% |
| Unrealized securities loss / equity | 0.06% (p17 of band) | 2.48% |
| AOCI / equity | -0.08% (p61 of band) | |
| ROA (annualized) | -0.94% (p4 of band) | 0.72% |
| Net interest margin | 3.26% (p33 of band) | 3.55% |
| Efficiency ratio | 128.98% (p97 of band) | |
| Noncurrent loans | 0.08% (p15 of band) | 1.19% |
| Net charge-offs (annualized) | -0.20% (p3 of band) | |
| Reserve coverage of noncurrent | 3351.52% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 460.05% (p100 of band) | |
| Auto loans | $69,000 (0.05% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -6.2% | |
| Employees | 54 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **construction >100% equity** (`conc_construction`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 9 | brokered >10%, wholesale funding >15%, leverage <7%, leverage <5%, losing money, expense ratio p90, charge-offs p90, construction >100% equity |  |
| 2011-06 | 8 |  | wholesale funding >15% |
| 2011-09 | 7 |  | brokered >10% |
| 2011-12 | 7 |  |  |
| 2012-03 | 11 | capital falling, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-06 | 10 |  | uninsured deposits leaving |
| 2012-09 | 10 | uninsured deposits leaving | charge-offs p90 |
| 2012-12 | 9 |  | capital falling |
| 2013-03 | 8 |  | uninsured deposits leaving |

## 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=57181 (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/29.json (key "57181", 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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