# ILLINI BANK
SPRINGFIELD, IL · FDIC certificate 19980 · asset band <$300M · latest filing 2017-03 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $276.5M | |
| Deposits | $234.0M | |
| Loans and leases | $127.3M | |
| Total equity | $32.2M | |
| Loans / deposits | 54.28% (p22 of band) | 73.48% |
| Liquid assets / assets | 42.83% (p70 of band) | |
| Uninsured deposits / deposits | 14.98% (p52 of band) | 14.60% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.08% (p59 of band) | |
| FHLB advances / assets | 3.08% | |
| Tier 1 leverage | 8.07% (p6 of band) | 10.87% |
| Unrealized securities loss / equity | -0.67% (p41 of band) | -0.29% |
| AOCI / equity | 0.93% (p77 of band) | |
| ROA (annualized) | 1.58% (p87 of band) | 0.83% |
| Net interest margin | 4.03% (p74 of band) | 3.63% |
| Efficiency ratio | 57.27% (p15 of band) | |
| Noncurrent loans | 2.11% (p83 of band) | 0.63% |
| Net charge-offs (annualized) | 0.00% (p59 of band) | |
| Reserve coverage of noncurrent | 10.26% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 14.30% (p47 of band) | |
| Auto loans | $774,000 (0.61% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -5.2% | |
| Employees | 65 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 2 | reserve under noncurrent, uninsured deposits leaving |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 2 | charge-offs p90 | uninsured deposits leaving |
| 2013-06 | 2 | capital falling | charge-offs p90 |
| 2013-09 | 1 |  | capital falling |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 3 | noncurrent p90, charge-offs p90 |  |
| 2014-12 | 3 |  |  |
| 2015-03 | 2 |  | charge-offs p90 |
| 2015-06 | 1 |  | noncurrent p90 |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 3 | losing money, charge-offs p90 |  |
| 2016-06 | 4 | noncurrent p90 |  |
| 2016-09 | 2 |  | losing money, noncurrent p90 |
| 2016-12 | 2 | NIM <2.5% | charge-offs p90 |
| 2017-03 | 2 | deposits shrinking | NIM <2.5% |

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

- 2016-03-25 [Morton Community Bank to acquire Illini Bank of Springfield - The State Journal-Register](https://news.google.com/rss/articles/CBMilwFBVV95cUxQaVNzY2ZrOWRfOGwtdkk5bmpQaWhZMjlhVTBta3JLcUdCWDhNU1ZNREdrRmtzYWxWVDB3TGRSRWFNN2FXdEFNaV9fVlpxanlxNkZSYUZwZWI1MVA4UEpMVTZfQVVIYVBpMlRnNFc2V2prZU5OWDdjVFBDQUZaTEw5U0NHVnlMSXZoOERKZlVmV0FZU2JsYWNN?oc=5) · The State Journal-Register
- 2014-04-24 [Auburn, Illinois Bank Robbery Suspect, Photo 2 of 2 (4/24/14) - fbi.gov](https://news.google.com/rss/articles/CBMingFBVV95cUxPaHR3b1VQeWZpX0xtX011WUNFZUxrYTd0X1hkbGl5RlM0amVSUDVCQlAwcEoxOWF5LWhMUmxUbXFWVllQMWdSUU1xazUxd1M5RXlJU25DUHYtUUN1bzUzYzI4UG40WjBQQkF1dTl4RmFvNC1PaTQzX2tzaExBYm9GcENBVWhMVE1DYnNXUFRUcE5WNkpqdk5kWXUyeG1jZw?oc=5) · fbi.gov
- 2017-03-28 [Business Report: Sangamon County Population; Viper Mine Update; UCB-Illini Bank Merger - NPR Illinois](https://news.google.com/rss/articles/CBMi1gFBVV95cUxOWU5vRU1ObmlDMWt1Y193UTFtNlQzUDl4blJRUDJSUDA3dTE3MDc1Y0U4Szkzcks2aEs1UjJtYnc2U014U2pXNno0Ti1Fa3I5Ym5nQ05FUTJOaW91cnhWNDJ3S3dsWk1ORDBtc2VBNWoyOXJKdjZWZ0dLTkVHVERGNUdDdXYyck5rcWdWajh1SDFCejdKZXV6alVmRC1NSjhNcHhBRnhyWGZQaUoyS1dKUkNRd3lkSThvNGMzVmZkY1VIQ2Q0T0pwVzFYbzFhVnpFdzk1eGFn?oc=5) · NPR Illinois
- 2017-03-25 [Local business notes: UCB, Illini to complete consolidation this summer - The State Journal-Register](https://news.google.com/rss/articles/CBMilgFBVV95cUxOdExDYmdpc2p2NEJpSkpqVWlvU3NYSF94ZnBpUnhGbmNMeVZKcFlUeERsNzRtVTNFM0VZZlFJWlFBUUhNRi1TMlFPbW1zcTdYYkFkcTBUODFDLURmdzZUWWNXeDlZU2g1RG9xNk1xNHh0bVMwbE93UnJwMFdUR3ZTa2FuR2ZrQlNOaWJHZFVqSi1JUkc5NUE?oc=5) · The State Journal-Register
- 2017-12-14 [BICYCLE ROBBER: Woman sentenced for multiple bank robberies - RiverBender.com](https://news.google.com/rss/articles/CBMirgFBVV95cUxNZ295UWVWUFlRT2ZxOFVwVE1FSGt1aVRGaTJLVmF4YkRuVVNxQzZHZXAzU2RnZW90Y19pMzJJUVlGemJCUmZqRFBtMGJEY003bTk0MTF1cWdsWS1tMjcwN25tNDVXdE5HeXdmMWEybGdoaEMyWHRqRURFM0F0YWpnZGRhYk4zbTg5cXIzS0xyVzRhMG5RUDVVaERBS0JEeUItaXdwS3VTY3F5VzVTV1E?oc=5) · RiverBender.com
- 2009-04-20 [Birky named president of Illini Bank - The State Journal-Register](https://news.google.com/rss/articles/CBMikwFBVV95cUxOaVdyYnhoeUlHNU04em5rLUt6ZG1LNUNuUk1adnhNQ2pFRE1oU2gycVcyR2RBcGlIMk1Fcm9sZG5rbXJtc1JmcnY1azdKM3FIMVdKeGd1d2hyZXQxWTR0THVZZFVEV3BkQ3M3WkR3QzVjaGRJVHdNVDBrblhoVU1uQjY3anZNc3ZMR2VDTk1yVDBSZmM?oc=5) · The State Journal-Register
- 2017-01-12 [Woman robs Illini Bank on Peoria Road - The State Journal-Register](https://news.google.com/rss/articles/CBMikAFBVV95cUxOVlB0Ym5RRzBLTFRXbGcwN3lpLXNGZm12RThLdG1meFdTenI0eXEtSlA4bUd6cVBoNmZNY2lxdGdsSTFJTmVFaXFiYjY2UVp3aXpsZFhmNmNKZVlhbU9ad0ZydUU3OG94Q0VVbkdPLTIxeDcxWFdvNjdral9hQkhuckd5bHJacXEzQnFIMWhycGs?oc=5) · The State Journal-Register
- 2014-04-24 [Auburn bank robbed, gunman sought - The State Journal-Register](https://news.google.com/rss/articles/CBMimgFBVV95cUxQSVh2N2xYSG1fSm9tLVN2M1dNeElPNnUxZTZibVJZVXZhbFFOSlF5YVdNdXhGT3dkZDZmQ2o0Zzh2bTdGYXJueWF6Sm12NUtKSUl5Q0pGbGNiY2VBU09MeF9UYnRtUFlHSnlYRFUzOHFZVF9sM2tLWkQyR0s5clBLNElsaTdkeGQ4blVLWXpwLV9oRE5wRGhueFZB?oc=5) · The State Journal-Register

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19980 (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/12.json (key "19980", 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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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide