# SEAWAY BANK&TRUST CO
CHICAGO, IL · FDIC certificate 19328 · asset band <$300M · latest filing 2016-12 · FAILED

**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 | $297.8M | |
| Deposits | $256.5M | |
| Loans and leases | $202.3M | |
| Total equity | $-5.8M | |
| Loans / deposits | 76.90% (p54 of band) | 74.46% |
| Liquid assets / assets | 19.67% (p23 of band) | |
| Uninsured deposits / deposits | 5.23% (p10 of band) | 14.82% |
| Brokered deposits | 0.53% | |
| Wholesale funding | 14.87% (p92 of band) | |
| FHLB advances / assets | 14.34% | |
| Tier 1 leverage | -1.79% (p0 of band) | 10.76% |
| Unrealized securities loss / equity | – | -0.86% |
| AOCI / equity | – | |
| ROA (annualized) | -7.22% (p0 of band) | 0.85% |
| Net interest margin | 3.09% (p20 of band) | 3.68% |
| Efficiency ratio | 249.21% (p100 of band) | |
| Noncurrent loans | 8.78% (p99 of band) | 0.62% |
| Net charge-offs (annualized) | 0.72% (p98 of band) | |
| Reserve coverage of noncurrent | 28.23% | |
| Real estate % of loans | 89% | |
| Construction % of loans | – | |
| Auto loans | $116,000 (0.06% of loans; DQ 12.07%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (– of equity) | |
| Deposits YoY | -12.3% | |
| Employees | 201 | |

## 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`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 4 | brokered >10%, leverage <7% |  |
| 2012-03 | 5 | deposits shrinking, assets shrinking | leverage <7% |
| 2012-06 | 5 |  |  |
| 2012-09 | 4 |  | brokered >10% |
| 2012-12 | 6 | brokered >10%, leverage <7% |  |
| 2013-03 | 3 |  | deposits shrinking, assets shrinking, leverage <7% |
| 2013-06 | 3 |  |  |
| 2013-09 | 2 |  | brokered >10% |
| 2013-12 | 3 | capital falling |  |
| 2014-03 | 5 | losing money, expense ratio p90, charge-offs p90 | capital falling |
| 2014-06 | 7 | leverage <7%, deposits shrinking, assets shrinking | charge-offs p90 |
| 2014-09 | 11 | wholesale funding >15%, capital falling, charge-offs p90, uninsured deposits leaving |  |
| 2014-12 | 9 |  | leverage <7%, capital falling |
| 2015-03 | 8 |  | wholesale funding >15% |
| 2015-06 | 8 |  |  |
| 2015-09 | 9 | capital falling |  |
| 2015-12 | 10 | leverage <7% |  |
| 2016-03 | 11 | leverage <5% | deposits shrinking |
| 2016-06 | 10 |  | assets shrinking |
| 2016-09 | 11 | construction >100% equity, assets shrinking | uninsured deposits leaving |
| 2016-12 | 12 | deposits shrinking, uninsured deposits leaving | construction >100% equity |

## 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=19328 (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/0.json (key "19328", 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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