# BUFFALO PRAIRIE STATE BANK
BUFFALO PRAIRIE, IL · FDIC certificate 10857 · asset band <$300M · latest filing 2015-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (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 | $68.6M | |
| Deposits | $62.1M | |
| Loans and leases | $9.7M | |
| Total equity | $6.3M | |
| Loans / deposits | 15.32% (p3 of band) | 70.43% |
| Liquid assets / assets | 85.10% (p98 of band) | |
| Uninsured deposits / deposits | 8.28% (p27 of band) | 13.33% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p19 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.47% (p13 of band) | 10.49% |
| Unrealized securities loss / equity | 8.35% (p93 of band) | 1.32% |
| AOCI / equity | 4.85% (p99 of band) | |
| ROA (annualized) | -0.53% (p3 of band) | 0.80% |
| Net interest margin | 1.25% (p2 of band) | 3.57% |
| Efficiency ratio | 96.76% (p90 of band) | |
| Noncurrent loans | 0.00% (p7 of band) | 0.77% |
| Net charge-offs (annualized) | 0.47% (p95 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 28% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $407,000 (4.18% of loans; DQ 5.90%, NCO 0.27%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 0.7% | |
| Employees | 6 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)
- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | NIM <2.5% |  |
| 2011-06 | 2 | reserve under noncurrent |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 | capital falling | reserve under noncurrent |
| 2012-03 | 2 |  |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 2 | reserve under noncurrent |  |
| 2013-12 | 1 |  | reserve under noncurrent |
| 2014-03 | 2 | reserve under noncurrent |  |
| 2014-06 | 3 | noncurrent p90 |  |
| 2014-09 | 3 |  |  |
| 2014-12 | 4 | capital falling |  |
| 2015-03 | 5 | losing money, expense ratio p90, charge-offs p90 | reserve under noncurrent, noncurrent p90 |

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

- 2017-02-15 [Samuel T. Nelson Obituary Feb 15, 2017 - Speer Funeral Home](https://news.google.com/rss/articles/CBMiYEFVX3lxTE5iZkhJU3lkZ21CcFBWYUJBTjBqVmhLSjRtMEc5VGl4OVRJUmE4SFRJWE5LZzZsTHZuTU9iMTFKa2NUQm1lelJrYUVVZXZ6SUFnRlpKXzVvUU56dHdwSDY2ZA?oc=5) · Speer Funeral Home
- 2020-08-26 [Obituary for Roger Stancliff - Vandemore Funeral Homes & Crematory](https://news.google.com/rss/articles/CBMibkFVX3lxTE91ampDQ2pZU2ZuVU5IcW5aa1IwaFVDNVM1Q2ZRVHVwN0EyOGVXUFlLdVZPdU5Vc0ZGekxScXZyY0Z6YWE2MnRfT0VDWUZIVEhjWm90all5VVlCbWl5SGQ5Q1RrY0U5YVFhYXRlR1ZB?oc=5) · Vandemore Funeral Homes &amp; Crematory

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10857 (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/41.json (key "10857", 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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