# FIRST AMERICAN BANK N A
HUDSON, WI · FDIC certificate 58593 · asset band <$300M · latest filing 2020-06 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $135.0M | |
| Deposits | $111.1M | |
| Loans and leases | $99.2M | |
| Total equity | $19.1M | |
| Loans / deposits | 89.00% (p79 of band) | 73.75% |
| Liquid assets / assets | 17.71% (p12 of band) | |
| Uninsured deposits / deposits | 25.77% (p79 of band) | 17.11% |
| Brokered deposits | 2.23% | |
| Wholesale funding | 5.39% (p68 of band) | |
| FHLB advances / assets | 2.96% | |
| Tier 1 leverage | 8.45% (p10 of band) | 10.95% |
| Unrealized securities loss / equity | 2.05% (p43 of band) | 2.60% |
| AOCI / equity | 2.09% (p61 of band) | |
| ROA (annualized) | 1.09% (p58 of band) | 0.97% |
| Net interest margin | 3.77% (p58 of band) | 3.63% |
| Efficiency ratio | 47.06% (p6 of band) | |
| Noncurrent loans | 0.24% (p36 of band) | 0.52% |
| Net charge-offs (annualized) | -0.02% (p11 of band) | |
| Reserve coverage of noncurrent | 114.23% | |
| Real estate % of loans | 71% | |
| Construction % of loans | 42.82% (p78 of band) | |
| Auto loans | $179,000 (0.18% of loans; DQ 18.44%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 0.9% | |
| Employees | 11 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | uninsured deposits leaving |  |
| 2012-06 | 2 | capital falling | reserve under noncurrent |
| 2012-09 | 4 | losing money, expense ratio p90, reserve under noncurrent | uninsured deposits leaving |
| 2012-12 | 0 |  | capital falling, losing money, expense ratio p90, reserve under noncurrent |
| 2013-03 | 0 |  |  |
| 2013-06 | 2 | loans exceed deposits, liquid assets <10% |  |
| 2013-09 | 0 |  | loans exceed deposits, liquid assets <10% |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | reserve under noncurrent |  |
| 2014-06 | 0 |  | reserve under noncurrent |
| 2014-09 | 1 | capital falling |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | capital falling |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 6 | loans exceed deposits, brokered >10%, wholesale funding >15%, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2018-03 | 6 |  |  |
| 2018-06 | 6 |  |  |
| 2018-09 | 7 | capital falling |  |
| 2018-12 | 3 |  | deposits shrinking, assets shrinking, uninsured deposits leaving, capital falling |
| 2019-03 | 3 |  |  |
| 2019-06 | 2 |  | wholesale funding >15% |
| 2019-09 | 1 |  | loans exceed deposits |
| 2019-12 | 2 | NIM <2.5%, reserve under noncurrent | brokered >10% |
| 2020-03 | 1 |  | NIM <2.5% |
| 2020-06 | 0 |  | reserve under noncurrent |

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

- 2020-10-29 [First State Bank and Trust appoints two board members to its board - hometownsource.com](https://news.google.com/rss/articles/CBMijAJBVV95cUxNOWVrRnpKLXBXWEdlaVhWWmJCS2xobHp0dGpfSk1mdWFJVm5wcmZjNDV4cGZuV1plRFhHNjdic2FYT3hycjBNRWZjUTNjNTVOTDJ6WEt2VjN0RFNsVG1DcHJyWF9RczZGTXdXaVdPYXQzRW1WTklISTdiTnhyTTRKY21xekp0UmpCbmd0SEJ1RThHb2tramc1bEJnVzBjQXprZy0zOTVRZGdjbndiYUhrRXh1Xy1GMG8zcm1YUTJCYzRUaWllQUkxd1dsdk9PdXhRTWZFd2pycU12UWM1N2M4TGFaekNlWldrMFg1QTE3djNaMVk1T2M5NWpkU3JVOTFISG1ZOHZhM0hoSlJV?oc=5) · hometownsource.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58593 (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/33.json (key "58593", 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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