# FIRST STB OF WARNER S DAK
WARNER, SD · FDIC certificate 6074 · asset band <$300M · latest filing 2018-06 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 4 (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 | $82.8M | |
| Deposits | $58.2M | |
| Loans and leases | $70.4M | |
| Total equity | $11.5M | |
| Loans / deposits | 120.25% (p98 of band) | 76.78% |
| Liquid assets / assets | 7.29% (p3 of band) | |
| Uninsured deposits / deposits | 18.01% (p61 of band) | 15.22% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 15.72% (p92 of band) | |
| FHLB advances / assets | 11.94% | |
| Tier 1 leverage | 10.99% (p47 of band) | 11.19% |
| Unrealized securities loss / equity | -0.71% (p72 of band) | -2.38% |
| AOCI / equity | -0.44% (p69 of band) | |
| ROA (annualized) | 1.39% (p75 of band) | 1.00% |
| Net interest margin | 5.00% (p95 of band) | 3.78% |
| Efficiency ratio | 45.92% (p5 of band) | |
| Noncurrent loans | 2.18% (p85 of band) | 0.57% |
| Net charge-offs (annualized) | -0.04% (p10 of band) | |
| Reserve coverage of noncurrent | 27.85% | |
| Real estate % of loans | 52% | |
| Construction % of loans | 3.90% (p26 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 12.6% | |
| Employees | 11 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)
- **liquid assets <10%** (`liq_thin`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

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

## 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=6074 (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/58.json (key "6074", 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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