# STANDARD BANK&TRUST CO
HICKORY HILLS, IL · FDIC certificate 16606 · asset band $1-10B · latest filing 2016-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $2.33B | |
| Deposits | $2.06B | |
| Loans and leases | $1.85B | |
| Total equity | $245.9M | |
| Loans / deposits | 88.94% (p51 of band) | 88.78% |
| Liquid assets / assets | 14.41% (p21 of band) | |
| Uninsured deposits / deposits | 29.07% (p57 of band) | 25.90% |
| Brokered deposits | 1.51% | |
| Wholesale funding | 1.51% (p14 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.16% (p60 of band) | 9.87% |
| Unrealized securities loss / equity | -0.23% (p70 of band) | -0.94% |
| AOCI / equity | -0.14% (p74 of band) | |
| ROA (annualized) | 0.61% (p17 of band) | 0.96% |
| Net interest margin | 3.62% (p62 of band) | 3.47% |
| Efficiency ratio | 69.51% (p68 of band) | |
| Noncurrent loans | 1.65% (p88 of band) | 0.57% |
| Net charge-offs (annualized) | 0.45% (p94 of band) | |
| Reserve coverage of noncurrent | 70.97% | |
| Real estate % of loans | 71% | |
| Construction % of loans | 48.58% (p59 of band) | |
| Auto loans | $30,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $2.6M (1% of equity) (p80 of band) | |
| Deposits YoY | -4.8% | |
| Employees | 422 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | brokered >10%, losing money, reserve under noncurrent |  |
| 2011-06 | 1 |  | brokered >10%, losing money |
| 2011-09 | 1 |  |  |
| 2011-12 | 3 | losing money, charge-offs p90 |  |
| 2012-03 | 2 |  | charge-offs p90 |
| 2012-06 | 2 |  |  |
| 2012-09 | 1 |  | losing money |
| 2012-12 | 1 | losing money | reserve under noncurrent |
| 2013-03 | 2 | charge-offs p90 |  |
| 2013-06 | 2 | reserve under noncurrent | losing money |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 1 |  | charge-offs p90 |
| 2014-06 | 2 | charge-offs p90 |  |
| 2014-09 | 1 |  | charge-offs p90 |
| 2014-12 | 2 | charge-offs p90 |  |
| 2015-03 | 3 | noncurrent p90 |  |
| 2015-06 | 2 |  | noncurrent p90 |
| 2015-09 | 3 | capital falling |  |
| 2015-12 | 2 |  | capital falling |
| 2016-03 | 2 |  |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |

## 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=16606 (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/30.json (key "16606", 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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