# HYDE PARK BANK&TRUST CO
CHICAGO, IL · FDIC certificate 10448 · asset band $300M-1B · latest filing 2012-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $392.2M | |
| Deposits | $244.1M | |
| Loans and leases | $131.1M | |
| Total equity | $35.5M | |
| Loans / deposits | 52.76% (p11 of band) | 75.94% |
| Liquid assets / assets | 61.35% (p96 of band) | |
| Uninsured deposits / deposits | 9.57% (p35 of band) | 12.76% |
| Brokered deposits | 1.86% | |
| Wholesale funding | 29.78% (p98 of band) | |
| FHLB advances / assets | 8.92% | |
| Tier 1 leverage | 9.49% (p44 of band) | 9.72% |
| Unrealized securities loss / equity | 7.50% (p71 of band) | 4.38% |
| AOCI / equity | 6.58% (p98 of band) | |
| ROA (annualized) | 0.43% (p22 of band) | 0.85% |
| Net interest margin | 2.52% (p5 of band) | 3.69% |
| Efficiency ratio | 89.20% (p91 of band) | |
| Noncurrent loans | 1.79% (p51 of band) | 1.75% |
| Net charge-offs (annualized) | 0.06% (p28 of band) | |
| Reserve coverage of noncurrent | 97.95% | |
| Real estate % of loans | 95% | |
| Construction % of loans | 18.76% (p33 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 4.3% | |
| Employees | 71 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **expense ratio p90** (`earn_efficiency`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 3 | expense ratio p90 |  |
| 2011-12 | 2 |  | expense ratio p90 |
| 2012-03 | 2 | expense ratio p90 | reserve under noncurrent |
| 2012-06 | 2 | reserve under noncurrent | expense ratio p90 |
| 2012-09 | 3 | expense ratio p90 |  |

## 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=10448 (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/16.json (key "10448", 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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