# FIRST ILLINOIS BANK
EAST ST. LOUIS, IL · FDIC certificate 14321 · asset band <$300M · latest filing 2017-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. 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 | $46.3M | |
| Deposits | $41.0M | |
| Loans and leases | $5.5M | |
| Total equity | $5.2M | |
| Loans / deposits | 11.85% (p3 of band) | 73.48% |
| Liquid assets / assets | 87.86% (p99 of band) | |
| Uninsured deposits / deposits | 25.06% (p84 of band) | 14.60% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p19 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.66% (p47 of band) | 10.87% |
| Unrealized securities loss / equity | -3.35% (p13 of band) | -0.29% |
| AOCI / equity | 0.13% (p37 of band) | |
| ROA (annualized) | 1.29% (p77 of band) | 0.83% |
| Net interest margin | 3.11% (p22 of band) | 3.63% |
| Efficiency ratio | 64.85% (p32 of band) | |
| Noncurrent loans | 3.81% (p94 of band) | 0.63% |
| Net charge-offs (annualized) | 0.00% (p45 of band) | |
| Reserve coverage of noncurrent | 310.48% | |
| Real estate % of loans | 35% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 10.4% | |
| Employees | 12 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)

## 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 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 2 | deposits shrinking, assets shrinking |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 4 | noncurrent p90, reserve under noncurrent |  |
| 2013-12 | 4 | losing money, charge-offs p90 | noncurrent p90, reserve under noncurrent |
| 2014-03 | 4 | noncurrent p90 | losing money |
| 2014-06 | 3 |  | charge-offs p90 |
| 2014-09 | 4 | uninsured deposits leaving |  |
| 2014-12 | 2 | charge-offs p90 | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2015-03 | 2 | deposits shrinking | charge-offs p90 |
| 2015-06 | 1 |  | deposits shrinking |
| 2015-09 | 0 |  | noncurrent p90 |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2016-09 | 1 | noncurrent p90 | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2016-12 | 1 | capital falling | noncurrent p90 |
| 2017-03 | 1 | noncurrent p90 | capital falling |

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

- 2023-09-02 [Bernice Allen Obituary - Fairview Heights, IL - Dignity Memorial](https://news.google.com/rss/articles/CBMijgFBVV95cUxQQUsyeEhsY3NJVDdVNW9UanlYZE9jQkcwMGpfa2JmdUNiNGFsNGNkT3FNb0RVcFVRVnFEdkZmNkVRNjJ0eHRuNFNoUEtLTzB3SzlfeGR2U010WVpLemRDV0Qtc3Zua2VUX1JESk16ZlppSGF1VmFPcTRmc2duMnJ4RGp5NnRTM3dWZE9mbm9R?oc=5) · Dignity Memorial
- 2019-07-23 [June Hamilton-Dean, who faces felony charges, hired for East St. Louis city job - Belleville News-Democrat](https://news.google.com/rss/articles/CBMiYkFVX3lxTE9hcGZzNE9fbGxuQ1RhdXZuU011ZGFKeGxpQk5lZXRQdUx2T1RyNi1VajBETkFNRy01X05CN2gtMHYxVW92bkZLamMzSUxFNWh0M0pGUFkyQVZ3UTVBREpYRWFR0gFiQVVfeXFMTUdQZ3RnWUUxMTdUZ1BCcU1DSmtqTEVuc0h5X3pVYXFQajN5MGhWQ2l0emgySW1lXzhLdlVwSS1wdEVycGdxdHVlcmJBSk8zS1RGZXJGQ3NKcTVfcWJvZU5UM1E?oc=5) · Belleville News-Democrat
- 2024-06-09 [Clifford Johnson Obituary - IL - Chicago Tribune](https://news.google.com/rss/articles/CBMidEFVX3lxTE1oUm1CX2F2OFJRakQwS01za2VQeWpYRktjeXNMS2VpcTRTWklaQTRvcjV4NkJTQW0tWlVwN1FVRktMWmppdlo2ZDdzYVZsU0pSZVBOeDI0c3htU0xneDVYb1dfemtDSzJxOTRwUE9OMW1SdzVX?oc=5) · Chicago Tribune
- 2021-05-30 [ROBERT DiVALL Obituary (2010) - Chicago, IL - Chicago Tribune - legacy.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxPMUJOX2I1cXBzcDdRZ1RHcWlzTmE3ME1ncXo1bHJHSmpscGhBbU5TQ3VQOFM3SW1IWjhleU1Kd25UWW13b2o2S3E4RW12WlpPNkh0RHpMZkhZd1lFeG9uV3NoY0RzeFlsc0RkNjg3T09yaWxtUkx0Q2hiVWhOWWJOdjRNTl9GNEVFbzNUU29aekdmaVkw?oc=5) · legacy.com
- 2024-06-14 [Archibald McClure Obituary - Evanston, IL (1922-2022) - Chicago Tribune](https://news.google.com/rss/articles/CBMifEFVX3lxTFBmajk5enlNUUlhQWdINHYwd0JpRnNQNkk0VVBFam5zbXpxeWU4aU0yQ1ZmeE5PWXVNaUpHc2E1MmVFZkxCNFRPMmF4WFFjUW1JOXdOUUNPNXZEY2VFRy1Udml2R0ZqSXdIaGZHZlNDc3JVUDhoQkNlZHF2eW8?oc=5) · Chicago Tribune
- 2015-01-09 [Walter Maguire Obituary - Fairview Heights, IL - Dignity Memorial](https://news.google.com/rss/articles/CBMijgFBVV95cUxQSUtqRmZVcTIwTFcwODl5enFMOGdycWlPekhjRmVFSTUyMXFHVEc3RjlWaGRsRnR3dE96SHJMRmM1TVdKMkhIdGlNMFQwMnF4a01pMk5YM0J3WU1Qdkk3SnRocEdfVWhSZ1VmNHFrNEVLVXlzQXJYd3YtRFpiSnpicGpBMHJlNUllV1dNUERn?oc=5) · Dignity Memorial
- 2023-02-17 [MR. Darnell Doc Russell Obituary (2023) - East Saint Louis, MO - Officer Funeral Home, PC - East Saint Louis - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxQRGZZdURqSTBhSDRWZzNfcWRoZTFQMHlPWEZlMUt6TTVNcjhWUFZyNDZUS1F5SUFtcFpvZ281TzQ0VDE5ckVTcUxrcU1PMmExUDU5ekZKaEY5a0Zhbjl4NjlOb1g4eXprRl9uRHJ4SXAxVDVYRkNxbVkzT2czTVkxWVl3NHE?oc=5) · legacy.com
- 2021-11-14 [Janet McIntosh Obituary (2021) - Libertyville, IL - Chicago Tribune - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxOOEJ1VG9ZdXdHZDFESG9TNTN4SVdfZDVyLU5ZM2ZIMTBhZTg3bGNLM3NvejhKUkJ5WkdUcXVxQlFFY2loNFNjQUZXVFZLbGgxY1dZZjFPSTVKYnhLSDRpVDBHYVloU2prNmZSZVgwME9RX0RFZ2s1cTZyNEhRRzdCcHZMSkVuUlQxSldBaTEtLTNYeUlpWEZJ?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14321 (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/49.json (key "14321", 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