# FOOTHILLS BANK&TRUST
MARYVILLE, TN · FDIC certificate 58591 · asset band <$300M · latest filing 2018-09 · stopped filing (departed)

**Verdict on the desk:** this could be *fortress*. 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 | $219.2M | |
| Deposits | $190.1M | |
| Loans and leases | $159.4M | |
| Total equity | $21.5M | |
| Loans / deposits | 82.62% (p58 of band) | 78.40% |
| Liquid assets / assets | 24.64% (p40 of band) | |
| Uninsured deposits / deposits | 22.03% (p75 of band) | 15.34% |
| Brokered deposits | 3.20% | |
| Wholesale funding | 6.27% (p69 of band) | |
| FHLB advances / assets | 2.95% | |
| Tier 1 leverage | 10.24% (p33 of band) | 11.34% |
| Unrealized securities loss / equity | -4.85% (p36 of band) | -3.15% |
| AOCI / equity | -2.15% (p44 of band) | |
| ROA (annualized) | 1.14% (p58 of band) | 1.02% |
| Net interest margin | 3.77% (p47 of band) | 3.82% |
| Efficiency ratio | 59.23% (p24 of band) | |
| Noncurrent loans | 0.00% (p7 of band) | 0.57% |
| Net charge-offs (annualized) | -0.02% (p14 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 90% | |
| Construction % of loans | 121.90% (p97 of band) | |
| Auto loans | $106,000 (0.07% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 1.5% | |
| Employees | 31 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 0 |  | capital falling |
| 2012-06 | 1 | charge-offs p90 |  |
| 2012-09 | 1 | capital falling | charge-offs p90 |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 0 |  | capital falling |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | capital falling |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 0 |  | capital falling |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | capital falling |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 1 | construction >100% equity |  |
| 2016-09 | 2 | capital falling |  |
| 2016-12 | 1 |  | capital falling |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |

## 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=58591 (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/31.json (key "58591", 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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