# AMERICAN CHARTERED BANK
SCHAUMBURG, IL · FDIC certificate 27006 · asset band $1-10B · latest filing 2016-06 · 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 | $2.77B | |
| Deposits | $2.36B | |
| Loans and leases | $2.01B | |
| Total equity | $252.2M | |
| Loans / deposits | 84.16% (p39 of band) | 89.53% |
| Liquid assets / assets | 22.64% (p52 of band) | |
| Uninsured deposits / deposits | 39.99% (p81 of band) | 25.95% |
| Brokered deposits | 0.83% | |
| Wholesale funding | 6.22% (p35 of band) | |
| FHLB advances / assets | 4.69% | |
| Tier 1 leverage | 9.15% (p33 of band) | 9.68% |
| Unrealized securities loss / equity | 2.13% (p44 of band) | 2.54% |
| AOCI / equity | 0.78% (p41 of band) | |
| ROA (annualized) | 1.14% (p71 of band) | 0.95% |
| Net interest margin | 3.75% (p70 of band) | 3.48% |
| Efficiency ratio | 49.68% (p13 of band) | |
| Noncurrent loans | 0.72% (p57 of band) | 0.63% |
| Net charge-offs (annualized) | 0.25% (p91 of band) | |
| Reserve coverage of noncurrent | 179.81% | |
| Real estate % of loans | 65% | |
| Construction % of loans | 20.27% (p26 of band) | |
| Auto loans | $75,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p37 of band) | |
| Deposits YoY | 6.3% | |
| Employees | 310 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 2 | losing money |  |
| 2012-03 | 1 |  | losing money |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 1 | charge-offs p90 | reserve under noncurrent, capital falling |
| 2013-09 | 2 | reserve under noncurrent |  |
| 2013-12 | 1 |  | reserve under noncurrent |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | charge-offs p90 |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | charge-offs p90 |  |
| 2016-06 | 1 |  |  |

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

- 2022-10-07 [Banks are abandoning their real estate faster than ever, to the delight of developers - businessinsider.com](https://news.google.com/rss/articles/CBMimwFBVV95cUxQaTRNbmp4TlVIQWpsOGFxQThwZVdDallITWhWd2xMZ1ZaTEY2eVAwdXk1bm01dERuYjNIVG1VVm93QnNReVdSSDRyRmlNT05pcEZzTTlXc0xIbzQ4T1d2NXpKWDlWeGg3ZVBQNnRnQi03Zk9FR1BKdWxUcWVwYlhlN0RNeXd2bHZicWk4ckJmQXphdVlfZjdud3JTYw?oc=5) · businessinsider.com
- 2022-03-25 [Health group converts bank building to drive-thru clinic - Building Design + Construction](https://news.google.com/rss/articles/CBMi2wFBVV95cUxOWnFhVzVObm5xUU5lc3VUT1lsbVJRdTFsRlRwSmhLY3hjWWJjWks5cmZwSlBjRTBuU3RaamNQd3JEaUN1ekd2b2hyVVRHZEJNRmp1eEkwZXdXYWU5NmFBeVl3SVQxM3ViUmVIUVNZYldoZ3R6M3hsNzRmUmlPd1dVXzNUN2FOa0Q3eHVYbkljcUFCbll0LXNGNFhsSGFDaVVJanMxVFV2OGdIekhJeUUzcDgxT3k5Q0tZSmZLSjRIa0gtSm11MF9DbmZKYUVBTnREbEZBTko3S3VhNDQ?oc=5) · Building Design + Construction
- 2024-06-16 [Steven Cipolla Obituary - Niles, IL - Chicago Tribune](https://news.google.com/rss/articles/CBMif0FVX3lxTFBVTzI0TXlRdzJ1ZjJCc1ZXbzVwUndReVNOLTNKdnpCVGJMUGdETkQzNFNpUS1LOUZkZktPSG5ueVpDWXNJcnhKb0dmei1tT09xMGhibGM1c2xoY0IxbzBHT3Z6TlF1NWdIRWZPdmN3WW1DQmtSdndhY0ZzRlFaRlE?oc=5) · Chicago Tribune
- 2016-08-13 [List of banks that support Apple Pay in the United States - 9to5Mac](https://news.google.com/rss/articles/CBMie0FVX3lxTE15UkVmX3k3aURqZXBKcFZCVTJuMEEzWTlLUEpQRDdTR25DQ2lPVXZGeEYycEVZcXl5RThsdlg3aUV6WHZFdWIzWDBUR2ZsT2FUcG1JWU5mbzJ3bVRUT0NjaEFFQXJaV0o1RklzdW03bzN2MXJoV3B1aFhEWQ?oc=5) · 9to5Mac
- 2021-07-18 [Lawrence Olson Obituary - Arlington Heights, IL - Dignity Memorial](https://news.google.com/rss/articles/CBMikAFBVV95cUxNMUI2blFjcTF3VGRtenZfalJtSEtvUE5OR3pPVHdoNElVVGtsY0ZTYjZmeUlCZTE5RUpZRjVmbnQ3VWRGdnc3MVRTSEx1TEFfUWlKRF9kcGFNYVA5ZnNoenhZa3NQREVTYXEyT0dTNmY0OHV3T1U2WWhacVh0ZktMTFJzS0VQOHAwQXpkVEhKTUg?oc=5) · Dignity Memorial
- 2009-07-26 [Gerald St.Marie Obituary (2009) - Chicago, IL - Chicago Sun-Times](https://news.google.com/rss/articles/CBMioAFBVV95cUxNRlRTVnphMDdEa1ktYndlN0VIbUwwalhSQXBuU2VIWHZDdlNSbG9iVk5ha2tObUxMRlplOXRVRWhEZWZvZTVBZ3RVY3d3bFdvOEhUaVZWZXIzVkx6NUZaaGNHeXNTZVlkWlVyTGlOY29yT1hpbmtTNVo5bnZ6emJTb0RNVXM0SG9fS3ZBRmMwcHBxTXIyLTd5U0VwV0VSRGst?oc=5) · Chicago Sun-Times
- 2013-09-03 [Palatine Senior Center celebrates 40 years - Daily Herald](https://news.google.com/rss/articles/CBMinwFBVV95cUxNV3FiUHJyVE1sZ25aSm1QV1h5WTBhQ3JUTW9FXzdtaXlDZG4yYWhhejlQYzVBZUNkZzlvblRQaTVjWFdWYnZvdHlVTWtmREVUcHdMaWxFc1B1dU9oMkIydFdiR3ZsRFVGVEF5U3I2dnVMRVl0dzRCYWRlMGdhdFlSMkhBSzdxQkhfRXUzZ180TTg2REFQUVBsNXNsc3p1X1E?oc=5) · Daily Herald
- 2018-04-07 [Bankruptcy reorganization for RDS/Show Department - Reel Chicago](https://news.google.com/rss/articles/CBMigwFBVV95cUxNYkhTZHl0bnFwaHdZR3o0dWU1enZnc3BYMFdYZlhxTmp1VHRFa3o4UEVkZmlvUWx1SDl6N2FuM3NyTWItWmo3SVZPNDc3eWlVZi13dFJXc2dscEN6TVdsdU85R3RFay1QSEw4ZkxhM3I2VHdEMkZDNEJLWHBzNTczdi10NA?oc=5) · Reel Chicago

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=27006 (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/62.json (key "27006", 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