# FREESTAR BANK NATIONAL ASSN
PONTIAC, IL · FDIC certificate 14736 · asset band $300M-1B · latest filing 2011-09 · 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 | $406.3M | |
| Deposits | $322.3M | |
| Loans and leases | $252.9M | |
| Total equity | $43.7M | |
| Loans / deposits | 77.44% (p49 of band) | 77.91% |
| Liquid assets / assets | 30.86% (p58 of band) | |
| Uninsured deposits / deposits | 12.29% (p51 of band) | 12.16% |
| Brokered deposits | 0.58% | |
| Wholesale funding | 10.04% (p62 of band) | |
| FHLB advances / assets | 3.69% | |
| Tier 1 leverage | 8.38% (p23 of band) | 9.49% |
| Unrealized securities loss / equity | 9.17% (p78 of band) | 4.04% |
| AOCI / equity | 2.20% (p55 of band) | |
| ROA (annualized) | 1.30% (p82 of band) | 0.70% |
| Net interest margin | 4.41% (p86 of band) | 3.76% |
| Efficiency ratio | 67.81% (p47 of band) | |
| Noncurrent loans | 2.25% (p52 of band) | 2.16% |
| Net charge-offs (annualized) | 0.21% (p42 of band) | |
| Reserve coverage of noncurrent | 57.38% | |
| Real estate % of loans | 75% | |
| Construction % of loans | 34.22% (p47 of band) | |
| Auto loans | $956,000 (0.38% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | – | |
| Employees | 136 | |

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 1 |  |  |

## 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=14736 (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/16.json (key "14736", 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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