# SOUTH SIDE T&SB OF PEORIA
PEORIA, IL · FDIC certificate 12082 · asset band $300M-1B · latest filing 2017-12 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 2 (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 | $712.9M | |
| Deposits | $505.6M | |
| Loans and leases | $350.5M | |
| Total equity | $140.7M | |
| Loans / deposits | 69.29% (p22 of band) | 85.15% |
| Liquid assets / assets | 35.46% (p77 of band) | |
| Uninsured deposits / deposits | 12.25% (p15 of band) | 21.69% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 8.10% (p58 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.75% (p85 of band) | 10.22% |
| Unrealized securities loss / equity | -0.55% (p52 of band) | -0.60% |
| AOCI / equity | 0.57% (p70 of band) | |
| ROA (annualized) | 0.29% (p9 of band) | 0.90% |
| Net interest margin | 0.74% (p0 of band) | 3.66% |
| Efficiency ratio | 65.06% (p42 of band) | |
| Noncurrent loans | 1.29% (p81 of band) | 0.54% |
| Net charge-offs (annualized) | 0.00% (p28 of band) | |
| Reserve coverage of noncurrent | 4.60% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 2.80% (p6 of band) | |
| Auto loans | $10.6M (3.04% of loans; DQ 0.07%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | -3.1% | |
| Employees | 143 | |

## Flags firing in the latest filing

- **NIM <2.5%** (`earn_nim`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | uninsured deposits leaving |  |
| 2012-09 | 0 |  | uninsured deposits leaving |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | reserve under noncurrent |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | noncurrent p90 |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 | NIM <2.5% | noncurrent 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=12082 (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/50.json (key "12082", 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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