# FIRST SAVANNA SAVINGS BANK
SAVANNA, IL · FDIC certificate 30241 · asset band <$300M · latest filing 2022-09 · stopped filing (departed)

**Verdict on the desk:** this could be *run candidate*. 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 | $8.5M | |
| Deposits | $8.2M | |
| Loans and leases | $6.2M | |
| Total equity | $210,000 | |
| Loans / deposits | 74.66% (p69 of band) | 63.45% |
| Liquid assets / assets | 16.29% (p9 of band) | |
| Uninsured deposits / deposits | 0.00% (p0 of band) | 20.44% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 2.59% (p0 of band) | 10.74% |
| Unrealized securities loss / equity | -45.24% (p34 of band) | -26.93% |
| AOCI / equity | -24.76% (p44 of band) | |
| ROA (annualized) | -3.41% (p1 of band) | 0.89% |
| Net interest margin | 3.64% (p74 of band) | 3.22% |
| Efficiency ratio | 197.15% (p99 of band) | |
| Noncurrent loans | 2.16% (p92 of band) | 0.22% |
| Net charge-offs (annualized) | -0.04% (p8 of band) | |
| Reserve coverage of noncurrent | 32.84% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 0.00% (p8 of band) | |
| Auto loans | $404,000 (6.51% of loans; DQ 4.46%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -16.3% | |
| Employees | 4 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **capital falling** (`cap_falling`)
- **AOCI drag >20% of equity** (`cap_aoci`)
- **securities losses >30% of equity** (`cap_secloss`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | losing money, expense ratio p90, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 3 |  | noncurrent p90 |
| 2011-09 | 4 | capital falling |  |
| 2011-12 | 4 |  |  |
| 2012-03 | 1 |  | losing money, expense ratio p90, capital falling |
| 2012-06 | 1 |  |  |
| 2012-09 | 5 | capital falling, losing money, expense ratio p90, noncurrent p90 |  |
| 2012-12 | 5 |  |  |
| 2013-03 | 3 |  | capital falling, noncurrent p90 |
| 2013-06 | 1 |  | losing money, expense ratio p90 |
| 2013-09 | 4 | capital falling, AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2013-12 | 4 | noncurrent p90 | capital falling |
| 2014-03 | 5 | losing money, expense ratio p90 | AOCI drag >20% of equity |
| 2014-06 | 3 |  | securities losses >30% of equity, noncurrent p90 |
| 2014-09 | 2 |  | losing money |
| 2014-12 | 5 | capital falling, losing money, noncurrent p90 |  |
| 2015-03 | 3 |  | capital falling, losing money |
| 2015-06 | 3 |  |  |
| 2015-09 | 4 | deposits shrinking, assets shrinking | expense ratio p90 |
| 2015-12 | 5 | losing money, expense ratio p90 | deposits shrinking |
| 2016-03 | 5 | deposits shrinking, uninsured deposits leaving | losing money, expense ratio p90 |
| 2016-06 | 5 | expense ratio p90 | noncurrent p90 |
| 2016-09 | 6 | losing money |  |
| 2016-12 | 7 | noncurrent p90 |  |
| 2017-03 | 6 | capital falling | assets shrinking, deposits shrinking |
| 2017-06 | 5 |  | uninsured deposits leaving |
| 2017-09 | 5 |  |  |
| 2017-12 | 6 | uninsured deposits leaving |  |
| 2018-03 | 3 | leverage <7% | expense ratio p90, losing money, noncurrent p90, uninsured deposits leaving |
| 2018-06 | 3 | expense ratio p90 | capital falling |
| 2018-09 | 2 | deposits shrinking | leverage <7%, expense ratio p90 |
| 2018-12 | 4 | expense ratio p90, assets shrinking |  |
| 2019-03 | 5 | losing money |  |
| 2019-06 | 7 | capital falling, uninsured deposits leaving |  |
| 2019-09 | 4 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2019-12 | 5 | noncurrent p90 |  |
| 2020-03 | 4 |  | noncurrent p90 |
| 2020-06 | 3 |  | capital falling |
| 2020-09 | 4 | leverage <7% |  |
| 2020-12 | 6 | capital falling, assets shrinking |  |
| 2021-03 | 7 | noncurrent p90 |  |
| 2021-06 | 8 | deposits shrinking |  |
| 2021-09 | 10 | leverage <5% |  |
| 2021-12 | 9 |  | noncurrent p90 |
| 2022-03 | 9 |  |  |
| 2022-06 | 10 | noncurrent p90 |  |
| 2022-09 | 12 | AOCI drag >20% of equity, securities losses >30% of equity |  |

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

- 2013-09-10 [Harold "Bud" Wilt Obituary Sep 10, 2013 - lawjonesfuneralhome.com](https://news.google.com/rss/articles/CBMiakFVX3lxTE1yck5SSkgtU2VJMWV1anRILUZDeUpGWnFkZVpHTnBKRUlpemFndXlkVnlmUVc2UU8tNXI0WWhxV1hrZ0htVWpTT3RoNTlFb0lRNy1Hc1NYUGJBbTh1c01qMWNIQzdhQ2hZNnc?oc=5) · lawjonesfuneralhome.com
- 2019-11-22 [Collins Community Credit Union Expanding Outside Iowa - 98.1 KHAK](https://news.google.com/rss/articles/CBMie0FVX3lxTE8xRVRFeno2eTR5d2Z1eFZTNVl3MV9BZGFaeG11TUNkNE1pdjB0X1ZlejNwR0lPNFMxT0lSbWJQZHhfX3lLY3YtOWdFWVh3d2J1X255dVJQVzlXYjRWNTg3ZUhfb3hMaXNJdVE2R2NQR1VJZGFZQzRvLU52MA?oc=5) · 98.1 KHAK
- 2016-10-17 [Gene Marken Obituary Oct 17, 2016 - lawjonesfuneralhome.com](https://news.google.com/rss/articles/CBMiakFVX3lxTFBrYW44Q1o1aWZlX1p4Ql9sZHJ1cy00T3JWUFZmTEhfME95bVlZVC1MUGhjNmZ2aFg0ai1tSFhyUUswTm9XTGlIMjdIQmxFSGx1N1h5aTFsNllUSVc5VEtWc0dONTJYV1BDT0E?oc=5) · lawjonesfuneralhome.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=30241 (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/33.json (key "30241", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide