# ELKVILLE STATE BANK
ELKVILLE, IL · FDIC certificate 10810 · asset band <$300M · latest filing 2013-03 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $24.1M | |
| Deposits | $19.8M | |
| Loans and leases | $2.5M | |
| Total equity | $4.2M | |
| Loans / deposits | 12.30% (p2 of band) | 66.54% |
| Liquid assets / assets | 89.17% (p99 of band) | |
| Uninsured deposits / deposits | 3.70% (p10 of band) | 11.77% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p19 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 17.65% (p94 of band) | 10.04% |
| Unrealized securities loss / equity | 8.87% (p86 of band) | 2.48% |
| AOCI / equity | 0.14% (p93 of band) | |
| ROA (annualized) | 0.35% (p25 of band) | 0.72% |
| Net interest margin | 1.89% (p3 of band) | 3.55% |
| Efficiency ratio | 81.51% (p65 of band) | |
| Noncurrent loans | 0.00% (p5 of band) | 1.19% |
| Net charge-offs (annualized) | 0.00% (p40 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 49% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $259,000 (10.41% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 2.4% | |
| Employees | 5 | |

## Flags firing in the latest filing

- **NIM <2.5%** (`earn_nim`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | NIM <2.5% |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | uninsured deposits leaving |  |
| 2012-06 | 3 | deposits shrinking |  |
| 2012-09 | 4 | assets shrinking |  |
| 2012-12 | 1 |  | uninsured deposits leaving, deposits shrinking, assets shrinking |
| 2013-03 | 1 |  |  |

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

- 2017-08-21 [Robbery suspects apprehended - The Daily Egyptian](https://news.google.com/rss/articles/CBMiekFVX3lxTE82OXYxcHo4YVBPdXczWnNLeDRfUzFlOFk3aWtOaVNtWDd3MmpMRFRISDFxRWkzZXloYVU2VTZDclpYM0E4MGt2XzAxWjlIaFlOTkNsay1DRS1jZFlBdGhPNTQzdk5vOGltVlN6NkoxNlBaQ1dLY0MteEVB?oc=5) · The Daily Egyptian
- 2008-11-14 [Evansville bank robber gets 38 years - 14 News](https://news.google.com/rss/articles/CBMif0FVX3lxTE5ZZ2otckxNOC1fRWxjcm92eXBpOUlyZS1mZmNudERRMGhEblZ4TWFSOEk2Qm9xLTZ0NWcycDE1d1pyYjAwaUhWazFqUk9MR1FFY2tDaExZS1RNWGdWOTc4VDhHRVVPM2d2ZHJBRkZ4Q0VzMGx6SGZtM0xtZ19uZEXSAZIBQVVfeXFMTUlWeFJMQkExLVRmcm5VSFh1UkJuUUY4dnJxWmlERzA1R3RDLVI2aVRUSzZyVGp0Q3pIZUItNDlSMDN2bVRGMmxkeVEyaXA4SFlWM1RZMTA2dEF6d2hNOW8yS2F6VkpfMGY4TkhVellXMXJtVy1FMktwQUZzdGRWSU1tT1ByWlhZQkRTYXBLZUszbEE?oc=5) · 14 News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10810 (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 "10810", 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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