# FIRST STATE BANK OF DIX
DIX, IL · FDIC certificate 10432 · asset band <$300M · latest filing 2011-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $44.6M | |
| Deposits | $41.0M | |
| Loans and leases | $24.3M | |
| Total equity | $3.3M | |
| Loans / deposits | 58.33% (p26 of band) | 71.39% |
| Liquid assets / assets | 40.87% (p66 of band) | |
| Uninsured deposits / deposits | 0.78% (p5 of band) | 8.02% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p16 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 7.22% (p7 of band) | 9.99% |
| Unrealized securities loss / equity | 2.51% (p40 of band) | 3.72% |
| AOCI / equity | -0.15% (p6 of band) | |
| ROA (annualized) | 0.36% (p29 of band) | 0.72% |
| Net interest margin | 3.73% (p41 of band) | 3.86% |
| Efficiency ratio | 77.38% (p60 of band) | |
| Noncurrent loans | 0.40% (p24 of band) | 1.48% |
| Net charge-offs (annualized) | 0.11% (p50 of band) | |
| Reserve coverage of noncurrent | 364.95% | |
| Real estate % of loans | 73% | |
| Construction % of loans | 43.45% (p74 of band) | |
| Auto loans | $2.2M (9.01% of loans; DQ 4.75%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | – | |
| Employees | 13 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |

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

- 2025-07-18 [2026 07/18 – David Mark Davis - southernillinoisnow.com](https://news.google.com/rss/articles/CBMie0FVX3lxTE1zMVlzTEJDS1pHLUg1RkdQYURxSDlRRlkxZXdqU1VJUmRhT1hFU0dKeEJSNllxM3R3aVJyTm4zck5aaWJfLW0xUXhwc2RlR3RMWlRHOE9wNWlxeFlrX1RtemNUS1FNTDVVSE9BbW01MzZkdTNwcDE1b0hfTQ?oc=5) · southernillinoisnow.com
- 2023-04-23 [Javon Joshua Howard - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxPQThCYmRISXpfbHYzS0hwaUIwajVpZThiNWFOTS0wdEg1WGZTUWY0dmRLRkp0eDY4UUltSlBUMEY4bnVXbkN1QThMQ2ZHWGpXRks4WlhBa3RQTWNaajFkY1dpcWdVNnZSTGdEektYSmhRc0FqR2VaSlRhYzhZNnZ6em83Qno4TzZmalZvdi1WRQ?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10432 (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/0.json (key "10432", 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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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide