# LOGAN COUNTY BANK
LINCOLN, IL · FDIC certificate 18484 · asset band <$300M · latest filing 2012-12 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $95.8M | |
| Deposits | $83.7M | |
| Loans and leases | $36.0M | |
| Total equity | $8.9M | |
| Loans / deposits | 42.45% (p12 of band) | 68.02% |
| Liquid assets / assets | 60.75% (p89 of band) | |
| Uninsured deposits / deposits | 15.28% (p78 of band) | 8.86% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.61% (p56 of band) | |
| FHLB advances / assets | 2.61% | |
| Tier 1 leverage | 9.02% (p30 of band) | 10.05% |
| Unrealized securities loss / equity | 7.89% (p79 of band) | 3.01% |
| AOCI / equity | 2.53% (p93 of band) | |
| ROA (annualized) | 0.68% (p44 of band) | 0.76% |
| Net interest margin | 2.88% (p12 of band) | 3.75% |
| Efficiency ratio | 66.38% (p33 of band) | |
| Noncurrent loans | 2.04% (p65 of band) | 1.21% |
| Net charge-offs (annualized) | 0.01% (p27 of band) | |
| Reserve coverage of noncurrent | 57.65% | |
| Real estate % of loans | 68% | |
| Construction % of loans | 28.14% (p66 of band) | |
| Auto loans | $287,000 (0.80% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 2.7% | |
| Employees | 18 | |

## 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 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | uninsured deposits leaving |  |
| 2012-06 | 2 | capital falling | uninsured deposits leaving |
| 2012-09 | 2 |  |  |
| 2012-12 | 1 |  | capital falling |

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

- 2019-09-18 [Marie Organ Obituary Sep 18, 2019 - Eichholtz & Daring Funeral Homes & Cremation Center](https://news.google.com/rss/articles/CBMiZEFVX3lxTE5FY3M5eV9HakZOTjBGckJ0b3ZLenpjWFB3ZWFNMjllbU55MFZXRlFrNjFGcmVPQjlGRE5LNXlJMVpxdnNwaWs2SEtyTXlRWWdVa0M1bG5JOW8xRXJXbnY4V0k5eVU?oc=5) · Eichholtz &amp; Daring Funeral Homes &amp; Cremation Center
- 2021-10-08 [Nikita KENNEDY Obituary (2014) - Lincoln, IL - The Lincoln Courier - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxQWkJ0VU9TdHVtT2U2VTM1V2pMcjR3Q3FqdHNwWF9XbHppbV9jaEtGQV9WUHEyVW1wcFBfbm9zZFBoNnByRHd6ekxrcjI4U0cyYlRLbnRvbUZJbHRZdl9EbFNKNWJ4ZThhOFdDSV8tbF9ORkRuM2RlRHRlNDJnQkVEVVhmemdaRm04QXJRQUczTmVCeU9uVHNj?oc=5) · legacy.com
- 2012-04-18 [George GAHR Obituary (2012) - Lincoln, IL - The Lincoln Courier - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxNUzVjbGpaZ0RqWm9JcGJZSy1xdkdDejhpUWRQU0txSnBsUXVfLVROS2lkWmNuQlozZ3poMnRxeDRFQkp1S1JkeWh1RFZnaGgycHRRN1RoSmM3NXZlLWZaNWtwQ0VkMjJBaEpEZ2w0UmluSVVIR3dlZnY0TUNRVElXWEUtWUhKMm5sbDV2RXpvazRVSmc?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18484 (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/52.json (key "18484", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide