# DELAWARE PLACE BANK
CHICAGO, IL · FDIC certificate 22370 · asset band <$300M · latest filing 2018-06 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $246.9M | |
| Deposits | $215.9M | |
| Loans and leases | $160.7M | |
| Total equity | $24.7M | |
| Loans / deposits | 73.33% (p44 of band) | 76.78% |
| Liquid assets / assets | 27.30% (p44 of band) | |
| Uninsured deposits / deposits | 38.51% (p96 of band) | 15.22% |
| Brokered deposits | 3.42% | |
| Wholesale funding | 5.20% (p67 of band) | |
| FHLB advances / assets | 1.22% | |
| Tier 1 leverage | 8.30% (p6 of band) | 11.19% |
| Unrealized securities loss / equity | -5.32% (p26 of band) | -2.38% |
| AOCI / equity | -0.61% (p65 of band) | |
| ROA (annualized) | 0.48% (p18 of band) | 1.00% |
| Net interest margin | 3.23% (p20 of band) | 3.78% |
| Efficiency ratio | 89.36% (p90 of band) | |
| Noncurrent loans | 1.73% (p80 of band) | 0.57% |
| Net charge-offs (annualized) | -0.01% (p22 of band) | |
| Reserve coverage of noncurrent | 87.39% | |
| Real estate % of loans | 37% | |
| Construction % of loans | 7.44% (p34 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $167,000 (1% of equity) (p96 of band) | |
| Deposits YoY | 2.1% | |
| Employees | 21 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## 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 | charge-offs p90 | noncurrent p90 |
| 2011-12 | 2 |  |  |
| 2012-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving | reserve under noncurrent, charge-offs p90 |
| 2012-06 | 1 |  | deposits shrinking, assets shrinking |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 | capital falling | uninsured deposits leaving |
| 2013-03 | 2 | reserve under noncurrent |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 5 | losing money, noncurrent p90, charge-offs p90 |  |
| 2014-03 | 3 | expense ratio p90 | capital falling, losing money, charge-offs p90 |
| 2014-06 | 3 |  |  |
| 2014-09 | 2 |  | expense ratio p90 |
| 2014-12 | 2 |  |  |
| 2015-03 | 4 | losing money, charge-offs p90, deposits shrinking, assets shrinking | reserve under noncurrent, noncurrent p90 |
| 2015-06 | 3 | capital falling | deposits shrinking, assets shrinking |
| 2015-09 | 3 |  |  |
| 2015-12 | 4 | expense ratio p90 |  |
| 2016-03 | 2 |  | losing money, charge-offs p90 |
| 2016-06 | 1 |  | capital falling |
| 2016-09 | 3 | deposits shrinking, assets shrinking |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 1 |  | deposits shrinking, assets shrinking |
| 2017-09 | 2 | capital falling |  |
| 2017-12 | 3 | losing money |  |
| 2018-03 | 0 |  | expense ratio p90, capital falling, losing money |
| 2018-06 | 1 | reserve under noncurrent |  |

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

- 2018-05-02 [Wintrust Financial Corp. acquires Delaware Place Bank - Daily Herald](https://news.google.com/rss/articles/CBMioAFBVV95cUxOSEZwNkxGaDc3a2ZVX0RXZUtYaGtId3pTcGx2Wnc5bjhaTVlNMTBzOUpCSERNdVl5Q3U5UXROZ3NkaGFPUzdTcV9HSlZRc3dnbUFmUi04a3QwS1VSOEY3R0hROVNELTB4cFBxY1M1TnZpQ3EyREM0akhDNTN5OUk0RUt2OFhZeklXQlhJU1FjZXFTcWhpSkQxZ0NINFJ2dHdh?oc=5) · Daily Herald
- 2021-01-08 [James Aldrich Obituary Jan 8, 2021 - Hummel Funeral Home & Crematories](https://news.google.com/rss/articles/CBMia0FVX3lxTE1BVmdoNXNjXzhHdkpyMVpPS05vaTNDSk42QW81TmFHTzdPMnJvX3A1TERaNjNEbE50VnBNeVpVR0NpZmZpb1AwNEhseVdOZUVTN3p0WFdNRW5pRTY3dHY0QjBYWHBkT0luSnJv?oc=5) · Hummel Funeral Home &amp; Crematories

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=22370 (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/34.json (key "22370", 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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