# PALMER BANK
TAYLORVILLE, IL · FDIC certificate 12103 · asset band <$300M · latest filing 2011-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. 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 | $95.0M | |
| Deposits | $85.2M | |
| Loans and leases | $46.3M | |
| Total equity | $7.9M | |
| Loans / deposits | 53.76% (p19 of band) | 71.80% |
| Liquid assets / assets | 44.01% (p72 of band) | |
| Uninsured deposits / deposits | 4.39% (p27 of band) | 7.92% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.60% (p38 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 6.22% (p4 of band) | 9.80% |
| Unrealized securities loss / equity | 11.79% (p91 of band) | 2.62% |
| AOCI / equity | 4.35% (p85 of band) | |
| ROA (annualized) | 0.90% (p62 of band) | 0.68% |
| Net interest margin | 3.58% (p35 of band) | 3.84% |
| Efficiency ratio | 57.64% (p15 of band) | |
| Noncurrent loans | 3.04% (p72 of band) | 1.53% |
| Net charge-offs (annualized) | 0.01% (p34 of band) | |
| Reserve coverage of noncurrent | 39.08% | |
| Real estate % of loans | 70% | |
| Construction % of loans | 24.42% (p57 of band) | |
| Auto loans | $2.2M (4.69% of loans; DQ 2.02%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | – | |
| Employees | 17 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | leverage <7%, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |

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

- 2024-11-22 [Clifford James Kinate Obituary Jul 23, 2018 - Sunset Funeral Home and Cremation Center](https://news.google.com/rss/articles/CBMib0FVX3lxTE5fcl9EU2I3SzFEUmZ6LV82XzBCN1hCSDBrckhiY3R2X2pRR0IzbDBWTExvN2hHVlpyd3Axc3VPVlEtc3E5WHBpVV94bzMweVpudUJEcUFUWVF2MXhXRkZPTllRd0J0b3pUa2FXeGJ3bw?oc=5) · Sunset Funeral Home and Cremation Center
- 2010-10-17 [Growing number of Springfield banks pursue Chatham - The State Journal-Register](https://news.google.com/rss/articles/CBMimwFBVV95cUxQSGRtd0xmaEpOZTlvWUJWaEk0U3RBRnhkbjZtRHoyd1hFVkdzWE5lazl0VGtmdkh4Y2k1RzBnVUdBNFdNMUZPbGZHcVhlYk1TY0oxakpCTm5UbGtSMlpSQnMwSGxSZUNpRzRkU1BCSDdkaUFJMEYyNHl5dENsRkd6S1FGNEs1NjV6ZVJKd05hbXBMUk5KZVNJbkJlOA?oc=5) · The State Journal-Register
- 2022-01-12 [Thomas R. "Tom" Alberts - Sarasota Herald-Tribune](https://news.google.com/rss/articles/CBMiYkFVX3lxTE4weFRYd2liYTdkRlBoaGdFakVqbmlFeGtQSndrQlJ5SGszRUFDeGV3YjZCRWNFVmRVYXVSYVNyUmQ0bnJUSVpNYUNMRlYwUXFzdGo0S3FxaGd3eUVnTDNqM0ZR?oc=5) · Sarasota Herald-Tribune
- 2024-07-29 [Nancy Sheedy Obituary (2024) - Taylorville, IL - Perfetti–Assalley Funeral Homes – Morrisonville - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxNNk5CcDdHb0RsVUtDY05CNVJWZEVBdU1Xb3dRdEY3dU0tLUNjMllSbHlRejBkVFNqZTI3WkN1dkt1eHJDLXk0aW1RcFU3WVl4MDY4VlFLNHZkZTlHU3c4Uk1HNl9EbWRPNGVPMlI4RlhIU3V4TzhzX1cwMWlUMFU3Wg?oc=5) · legacy.com
- 2025-04-18 [James "Jim" Roderick Obituary Apr 18, 2025 - Sunset Funeral Home and Cremation Center](https://news.google.com/rss/articles/CBMia0FVX3lxTE9oZWViRTRDLVpZVE94aUhoRE9nRXJNbUtkQl9va3BrMjZ6a21RNlpPQlBXbXJrcWhHMTBIMzRyTWx3UXB6OXgxcl9IV28zcDczZGt5bG5vOEt5b3MtSVY3YzgtY2VLZERjV0dv?oc=5) · Sunset Funeral Home and Cremation Center
- 2018-09-21 [Cheryl Lynn Pearman Obituary Sep 21, 2018 - Sunset Funeral Home and Cremation Center](https://news.google.com/rss/articles/CBMibEFVX3lxTE5rT2I5RkJjMlVEX1lyQm5kQ0tQOUhrYWRRWENVTjJIMVdRejlmNDFrQXhTSkdrbVBsVUFSY0tJdzN4X2EzY3RIVDUteElsS3BpN3JoWVNuVk4tNU9MazdFMXBDOTFURXVDOHFpbQ?oc=5) · Sunset Funeral Home and Cremation Center
- 2023-12-12 [Dottie Parke Obituary (2023) - Saint Joseph, IL - The News-Gazette - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxOYVdIT0NpNElrSlp1Z2kxUDRFTC04MUZuMDlmcFZzOTdEZFNNUUhQX0lyUDgtX01Id0VYUnJMMG5kQlZWSnYzOWkzVkgzS0hHNEFmRktWN1pfZHRodHI0TmEwMkg4S20yMVB5R1dYanA1bTM4aENiOTE4NEZwRFFPTmRRaGNjUmlOSzkydUlGZklOZw?oc=5) · legacy.com
- 2024-07-06 [Brenda J. Trimble Obituary Jul 6, 2024 - Sunset Funeral Home and Cremation Center](https://news.google.com/rss/articles/CBMiaEFVX3lxTFAxN05qUTcxdUNFeURJcWFSUmFzS1RWX2pKVEU5Sm4yOVpRQjd6Q3RVMXlveTRIVTZXQlN5VEhiTWM3WksyQVVBUVZZQ3dDM3psS2JOeXFKeXlKM2FJUnRPUm5mTnlTMkpQ?oc=5) · Sunset Funeral Home and Cremation Center

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12103 (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/7.json (key "12103", 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