# SOUTH END SAVINGS S B
HOMEWOOD, IL · FDIC certificate 30568 · asset band <$300M · latest filing 2015-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 6 (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 | $33.1M | |
| Deposits | $27.9M | |
| Loans and leases | $11.2M | |
| Total equity | $5.2M | |
| Loans / deposits | 39.80% (p10 of band) | 72.67% |
| Liquid assets / assets | 64.79% (p92 of band) | |
| Uninsured deposits / deposits | 0.90% (p1 of band) | 13.36% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p17 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 15.20% (p88 of band) | 10.53% |
| Unrealized securities loss / equity | -4.15% (p6 of band) | 0.18% |
| AOCI / equity | 0.00% (p69 of band) | |
| ROA (annualized) | -0.41% (p4 of band) | 0.82% |
| Net interest margin | 2.45% (p7 of band) | 3.60% |
| Efficiency ratio | 116.82% (p97 of band) | |
| Noncurrent loans | 2.38% (p83 of band) | 0.74% |
| Net charge-offs (annualized) | 0.03% (p61 of band) | |
| Reserve coverage of noncurrent | 35.71% | |
| Real estate % of loans | 100% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -5.5% | |
| Employees | 8 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)
- **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 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | losing money |  |
| 2012-06 | 1 |  | losing money |
| 2012-09 | 1 | losing money | reserve under noncurrent |
| 2012-12 | 2 | reserve under noncurrent |  |
| 2013-03 | 4 | charge-offs p90, uninsured deposits leaving |  |
| 2013-06 | 5 | expense ratio p90 |  |
| 2013-09 | 4 |  | charge-offs p90 |
| 2013-12 | 5 | capital falling, securities losses >30% of equity | reserve under noncurrent |
| 2014-03 | 2 |  | uninsured deposits leaving, capital falling, securities losses >30% of equity |
| 2014-06 | 2 |  |  |
| 2014-09 | 4 | deposits shrinking, assets shrinking |  |
| 2014-12 | 5 | reserve under noncurrent |  |
| 2015-03 | 4 | NIM <2.5% | deposits shrinking, assets shrinking |
| 2015-06 | 6 | deposits shrinking, assets shrinking |  |

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

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=30568 (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/40.json (key "30568", 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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