# WEMPLE STATE BANK
WAVERLY, IL · FDIC certificate 12393 · asset band <$300M · latest filing 2012-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $71.2M | |
| Deposits | $63.6M | |
| Loans and leases | $45.9M | |
| Total equity | $6.3M | |
| Loans / deposits | 71.08% (p54 of band) | 69.20% |
| Liquid assets / assets | 32.79% (p45 of band) | |
| Uninsured deposits / deposits | 9.57% (p56 of band) | 8.50% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.40% (p47 of band) | |
| FHLB advances / assets | 1.40% | |
| Tier 1 leverage | 8.67% (p22 of band) | 10.13% |
| Unrealized securities loss / equity | 7.44% (p72 of band) | 3.81% |
| AOCI / equity | 1.81% (p81 of band) | |
| ROA (annualized) | 1.71% (p89 of band) | 0.80% |
| Net interest margin | 4.27% (p77 of band) | 3.77% |
| Efficiency ratio | 53.83% (p11 of band) | |
| Noncurrent loans | 1.64% (p57 of band) | 1.27% |
| Net charge-offs (annualized) | -0.01% (p11 of band) | |
| Reserve coverage of noncurrent | 94.16% | |
| Real estate % of loans | 60% | |
| Construction % of loans | 27.68% (p66 of band) | |
| Auto loans | $269,000 (0.59% of loans; DQ 3.72%, NCO 0.00%) | |
| Loans to nondepository financials | $2.0M (32% of equity) (p100 of band) | |
| Deposits YoY | 10.1% | |
| Employees | 21 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 | loans-to-lenders >50% equity | reserve under noncurrent |
| 2011-09 | 0 |  | loans-to-lenders >50% equity |
| 2011-12 | 1 | capital falling |  |
| 2012-03 | 0 |  | capital falling |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | reserve under noncurrent |  |

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

- 2015-03-18 [Obituary information for James R. Sturgeon - Staab Funeral Homes](https://news.google.com/rss/articles/CBMigAFBVV95cUxNZE9sREFTbzJYTWtXb3liU1ltNVFqOVQ2b095a3ZHQ1NYaVBGMzViVWZRZFhROUhPbWxaMkZ3eHZ2OG92ZEh3TDVMdkdGendmeU5sWEh3aXdzUDVSSVh0cnl3bDZrbFFBNVpoaHFrNXpQeVhiTmNZd3JmdGZ4X190UQ?oc=5) · Staab Funeral Homes
- 2012-03-05 [Follow-up File: Waverly family faces more challenges - The State Journal-Register](https://news.google.com/rss/articles/CBMijgFBVV95cUxQQlhOcWxOMFRzUzJfTGZXMDVzUHVJSnlYNl8wdWV6MU1zTk1hR3lXWHBseDdKb1MwdFJvbTl2cHJhV3p1MHJRRzNVeXdjTzkwRk5yR1p3Q2xWQlg0MFdOX2d3Z0lDOWdOTGlEN0t5WTZtd0xrRlFjNkozYjIzRVg0Y2NkOXhWTnExUGEwQ25B?oc=5) · The State Journal-Register
- 2008-06-05 [Daryl D. Barklow - Freeport Journal-Standard](https://news.google.com/rss/articles/CBMiigFBVV95cUxPSmFhQU1taEpxaE8xMjNCX2VNeGFYR1NPaTFTVEVmSUJJRFl6ZkFrWW0xVmIwcGg0bUdIV1RDSVpxa3JqeDFjVGhxTGRPTG1CWXNnSnpySV9vQWJkZ3lrX1dtTkNoejlPVFUwYmliRFhHM1hxMWR3SjBNbVlLSHF5TkZQWFhfNHZDa2c?oc=5) · Freeport Journal-Standard
- 2021-10-05 [James STURGEON Obituary (1925 - 2015) - Springfield, IL - The State Journal-Register - legacy.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxNSXhBcXd0X1BMWHMtQXpTNEpEVkg0OEVyTklrb2R0TnZOejZBWkxSWDRVcV9hWENudlQ1eGtmVmFDTERUSW9pSGQ1ZGJqMTNoalUzWUViMjV2MnBMYVhFVVhvcU83UngwMmZGY2MxRWFHWmFoYUNISWhoT1dmNTh2YWdXeU1uRXFJOFE?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12393 (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 "12393", 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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