# BANK OF PALATINE
PALATINE, IL · FDIC certificate 21971 · asset band <$300M · latest filing 2014-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 10 (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 | $49.4M | |
| Deposits | $47.2M | |
| Loans and leases | $13.8M | |
| Total equity | $2.0M | |
| Loans / deposits | 28.00% (p5 of band) | 70.22% |
| Liquid assets / assets | 69.14% (p94 of band) | |
| Uninsured deposits / deposits | 4.40% (p11 of band) | 12.36% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 2.87% (p0 of band) | 10.41% |
| Unrealized securities loss / equity | 1.03% (p65 of band) | 0.24% |
| AOCI / equity | 5.21% (p84 of band) | |
| ROA (annualized) | -1.13% (p2 of band) | 0.79% |
| Net interest margin | 2.07% (p3 of band) | 3.62% |
| Efficiency ratio | 147.28% (p99 of band) | |
| Noncurrent loans | 3.67% (p89 of band) | 0.88% |
| Net charge-offs (annualized) | 0.47% (p93 of band) | |
| Reserve coverage of noncurrent | 110.69% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $415,000 (3.01% of loans; DQ 2.65%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -8.3% | |
| Employees | 19 | |

## 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`)
- **NIM <2.5%** (`earn_nim`)
- **charge-offs p90** (`aq_nco`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | losing money, expense ratio p90, NIM <2.5%, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 6 | leverage <7% |  |
| 2011-09 | 5 |  | leverage <7% |
| 2011-12 | 6 | leverage <7% |  |
| 2012-03 | 8 | capital falling, uninsured deposits leaving |  |
| 2012-06 | 9 | leverage <5% | uninsured deposits leaving |
| 2012-09 | 9 |  |  |
| 2012-12 | 9 |  |  |
| 2013-03 | 9 |  |  |
| 2013-06 | 11 | deposits shrinking, assets shrinking |  |
| 2013-09 | 11 |  |  |
| 2013-12 | 12 | uninsured deposits leaving |  |
| 2014-03 | 13 | charge-offs p90 |  |
| 2014-06 | 10 |  | noncurrent p90, reserve under noncurrent, uninsured deposits leaving |

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

- 2013-06-24 [Palatine Past and Present: Batterman Building on Brockway - Patch](https://news.google.com/rss/articles/CBMilwFBVV95cUxQY09RVlowVVBLX2pOS2RNaklON01YSFpfYVJTWWZVcnZ3Ml9UOHE5WUxpZjRIajMwOENYclRpQTBOMDJzNWhuSnVFQnFYaFJBalpLUnJyQ2gwOENWWGFuNHVoRjh0azc3ZndhQUZLWVZvdWpabk9FcEJLVG9kekpqXy1HeFZHbkRvbTRhUjFoNjVFR0JQMDJF?oc=5) · Patch
- 2024-06-14 [Winn Davidson Obituary - Palatine, IL (1938-2014) - Chicago Tribune](https://news.google.com/rss/articles/CBMid0FVX3lxTE1DY21WQlhpanJYVG91TS1jNFdIcmJUVDdqRGhLSzh1VDVmVzFPSkduZ2k0NzFtalpaa3N2TlVEeUFDQ2pZRTJVdEFYWENEc19rWlktUjRzZ2phRS1kcldfd2xCQkFfM1pDRWNzdGRjaXR4U0N0SUNr?oc=5) · Chicago Tribune
- 2021-10-17 [Melinda Finis Obituary (2002) - Palatine, IL - Daily Herald - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxNUEFLZUw4SFdTbTJxcnh3UmlYNVJDdWhPOGFwM0RfdWxfWVNnS2lERC1OSFBCWlJPaXRvZmtmVnFfbHg4Sy0tMG9pQTVCcmU3bTBRYW11WnJXbW5pRjVfRGMxRWp0OFB2b0tuRUtLZTZPaWk1eFpPaFFISUxqcDNwQTNxVFJ1SHEwdFJGcWFSRncyZw?oc=5) · legacy.com
- 2017-05-11 [Images: #TBT Gallery looks back at Palatine - Daily Herald](https://news.google.com/rss/articles/CBMijAFBVV95cUxQTHp3OV9XUjNGQWZwY2NueEw3enF0ZXZKaHh4RkIyZzhPLWJqck5IUE5sZkRqX213RlFhaEJmS3I0VW9OVkpuQlVNZDBqdi0tMWlKMEFmSmlPZkFFSm5lbE9adE9pS3p3dWtTNTZVS0VfbWdjcnMwZkk0R0NGUGZsN21aWWxmb09falRHSg?oc=5) · Daily Herald
- 2024-06-17 [Sandra Winckler Obituary - Aurora, IL (1944-2021) - Chicago Tribune](https://news.google.com/rss/articles/CBMid0FVX3lxTE1BREU3cDdaaXJLYmRBS0tmNEwzeXlxUnpoRV9senpQMXdPV25VX2dnQU1PbWVNNWcwM0R1bmhiTTctUVNvSnUyUl9mT0ZjWi1vTXBZVlBnSU45Qi1CMW9odG9DU192LUpWNk5XLXFCdjgtT0dnbThJ?oc=5) · Chicago Tribune
- 2013-02-05 [Palatine: Past and Present - Patch](https://news.google.com/rss/articles/CBMiekFVX3lxTE9JQWxXOFN6OGw5SlU3TmNyYmJVMm04Yld0N1BGN3hfV21TX1NmT19EajkxNWtvZFVudnpQVWo3TEhobTRINWV2NnVBR1dqQ3YwdzJEVko4OE9JaUowdWQ2ZGVYZDRqZnJ2bGduS21zNE9BMzRwcnNCTVdn?oc=5) · Patch
- 2021-11-06 [Matthew Hill Obituary (2007) - Arlington Heights, IL - Daily Herald - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxNNExnaFA3MzNKQTVQLU1yZzR1U1VCUm1pWWN5b0xjdGtxTXlqNXpSeE1fS0JUQ2xMWFM1Nmpvb0RTU2JnUWVWSE1IbEpRUGtCRWd1RUR2VC0tVHNUVkFGalhGMjM2STRWbk4yMjZXekJ1R2dWWl9yekdaNmpDMGNiRElXc2xNdUFkbDFFdG9TZU0?oc=5) · legacy.com
- 2020-04-17 [Frank Huschitt Obituary - Grayslake, IL (1936-2020) - Chicago Tribune](https://news.google.com/rss/articles/CBMiekFVX3lxTE1ldEJLa3dTZ09DandRaEVpa1VZemc3Z1hGOTl5ZHlQY2tPM1NKYVRUNDROQm5OTVpiLTRJaTc5bGVGY0RLZlJzWXAybEFhbnh0UjdhMDVYdklrYzFhaVhlZWFQRXg1SE0xSHg5ai02NlJxajlSRk1UdnZn?oc=5) · Chicago Tribune

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=21971 (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/19.json (key "21971", 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