# ARCHER BANK
CHICAGO, IL · FDIC certificate 18625 · asset band $300M-1B · latest filing 2013-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 12 (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 | $469.2M | |
| Deposits | $451.4M | |
| Loans and leases | $242.6M | |
| Total equity | $14.9M | |
| Loans / deposits | 51.07% (p11 of band) | 74.76% |
| Liquid assets / assets | 37.86% (p69 of band) | |
| Uninsured deposits / deposits | 7.15% (p12 of band) | 16.74% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p6 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 2.46% (p1 of band) | 9.77% |
| Unrealized securities loss / equity | 9.97% (p90 of band) | 2.98% |
| AOCI / equity | -0.78% (p24 of band) | |
| ROA (annualized) | -2.92% (p0 of band) | 0.80% |
| Net interest margin | 3.27% (p34 of band) | 3.52% |
| Efficiency ratio | 207.21% (p100 of band) | |
| Noncurrent loans | 20.69% (p100 of band) | 1.55% |
| Net charge-offs (annualized) | 0.87% (p94 of band) | |
| Reserve coverage of noncurrent | 23.91% | |
| Real estate % of loans | 98% | |
| Construction % of loans | 101.17% (p93 of band) | |
| Auto loans | $134,000 (0.06% of loans; DQ 38.81%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -14.9% | |
| Employees | 170 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 6 | leverage <7%, losing money, expense ratio p90, noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 5 |  | charge-offs p90 |
| 2011-09 | 6 | charge-offs p90 |  |
| 2011-12 | 9 | leverage <5%, capital falling |  |
| 2012-03 | 9 |  |  |
| 2012-06 | 9 |  |  |
| 2012-09 | 11 | deposits shrinking, assets shrinking |  |
| 2012-12 | 12 | uninsured deposits leaving |  |
| 2013-03 | 12 | construction >100% equity | uninsured deposits leaving |

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

- 2019-11-06 [VIDEO VAULT | Federal prosecutor recounts bank robbers' Las Vegas spree - KSNV](https://news.google.com/rss/articles/CBMingFBVV95cUxPT0ZPOERaam9HRFZsVkxGXzhSV0V1RWEtTndCOVRORGRVbEE0QVN1MWNaZzlFYUxUbXU0bzZlVnpaUWkzc05EcmU0azF0RnNPUnpfS1MtLTRDSzZNSlJmYUJzYUNZb2hXYm5EU2lpVG5YejZqSUk4MFkzNUtJWm1aWmxveDY1ZVlMalc2dF9vamlOOEQ3SUNpS3hlYzAyUQ?oc=5) · KSNV
- 2012-03-23 [Benefit Held for Oak Lawn Teen Injured in Car Accident - Patch](https://news.google.com/rss/articles/CBMikwFBVV95cUxNTU15THVORG9fc0NiSkFuZlZtdjkyNTNrMVBSTWtiQmJwLTVUaEQ4UUlHaDZ2Y1l0MWV3Q1JqNkEwal9QNFdwN1ZrMGFVX2tFN0t4LUxTS1Y5ZUYxMjJrb0tOYmNNLTduYWZZdnRScEx5UTh6ZW1RcmYtaXRPZGFiWHVrQ29ueWRsNnBXRXBTVjVuS2s?oc=5) · Patch
- 2010-09-22 [Friends, family to gather in support of Densey Cole - The Beverly Review](https://news.google.com/rss/articles/CBMinwFBVV95cUxQV1JFTWZnUVNiZXVVc2R2MW1jOXdkYTlQNlJIVndDRllEdFpLeHl3cW5hXzRUbnhjYi15Q1h0X2lHcWlKR1E5R2FRQmZFRHBFUDVzNGIxeUxScEhIT0xKMzB5bWdEdVRUbnpkclhIV1dfN19oWUREOTNYenZvYWhoUnhsOWRQQ21Gc3BKSXdkQWVZVlM4cHBrMWlxMURBVHM?oc=5) · The Beverly Review
- 2012-10-24 [Sarah McElheny Obituary (2012) - Chicago, IL - Daily Southtown - legacy.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxQeENuZXFFYkVRci1TZkJLZG9lcmpDLVFZV3NlcVQwRlhfRXYyWGZ1X2hLUjJMekp0MHdkU2FXcGFfSnEyZXN2Z203WGpXLWRmMGU5TlQzWVdsREVOeXItQzBrTkp4RWYtUHFUY0pybUI3QzVHQnd0S09Mc3U1dGRpdWFvOEtwZDdlSGFiY3NOWG1RS2hIUmdFZg?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18625 (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/1.json (key "18625", 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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