# CORNERSTONE B&T NA
CARROLLTON, IL · FDIC certificate 15317 · asset band <$300M · latest filing 2011-06 · 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 | $144.3M | |
| Deposits | $124.0M | |
| Loans and leases | $98.1M | |
| Total equity | $16.3M | |
| Loans / deposits | 77.95% (p63 of band) | 71.80% |
| Liquid assets / assets | 24.07% (p29 of band) | |
| Uninsured deposits / deposits | 7.56% (p48 of band) | 7.92% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.97% (p46 of band) | |
| FHLB advances / assets | 1.39% | |
| Tier 1 leverage | 8.68% (p28 of band) | 9.80% |
| Unrealized securities loss / equity | 3.22% (p55 of band) | 2.62% |
| AOCI / equity | 1.35% (p54 of band) | |
| ROA (annualized) | 0.35% (p30 of band) | 0.68% |
| Net interest margin | 4.01% (p60 of band) | 3.84% |
| Efficiency ratio | 73.48% (p50 of band) | |
| Noncurrent loans | 2.54% (p66 of band) | 1.53% |
| Net charge-offs (annualized) | 0.18% (p62 of band) | |
| Reserve coverage of noncurrent | 58.81% | |
| Real estate % of loans | 70% | |
| Construction % of loans | 32.52% (p64 of band) | |
| Auto loans | $631,000 (0.64% of loans; DQ 1.58%, NCO 0.00%) | |
| Loans to nondepository financials | $60,000 (0% of equity) (p97 of band) | |
| Deposits YoY | – | |
| Employees | 55 | |

## 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 |  |  |

## 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=15317 (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/21.json (key "15317", 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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