# ILLINOIS BANK&TRUST
ROCKFORD, IL · FDIC certificate 34076 · asset band $1-10B · latest filing 2022-09 · stopped filing (departed)

**Verdict on the desk:** this could be *run candidate*. Composite score 2 (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 | $1.65B | |
| Deposits | $1.54B | |
| Loans and leases | $859.7M | |
| Total equity | $92.1M | |
| Loans / deposits | 55.55% (p13 of band) | 79.05% |
| Liquid assets / assets | 43.52% (p86 of band) | |
| Uninsured deposits / deposits | 18.32% (p16 of band) | 32.67% |
| Brokered deposits | 2.42% | |
| Wholesale funding | 2.63% (p40 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 7.53% (p4 of band) | 9.71% |
| Unrealized securities loss / equity | -79.17% (p12 of band) | -26.09% |
| AOCI / equity | -61.25% (p10 of band) | |
| ROA (annualized) | 1.53% (p82 of band) | 1.15% |
| Net interest margin | 3.05% (p31 of band) | 3.33% |
| Efficiency ratio | 51.01% (p22 of band) | |
| Noncurrent loans | 0.14% (p30 of band) | 0.27% |
| Net charge-offs (annualized) | 0.01% (p57 of band) | |
| Reserve coverage of noncurrent | 578.11% | |
| Real estate % of loans | 65% | |
| Construction % of loans | 42.52% (p36 of band) | |
| Auto loans | $3.2M (0.37% of loans; DQ 0.34%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p37 of band) | |
| Deposits YoY | 1.7% | |
| Employees | 73 | |

## Flags firing in the latest filing

- **AOCI drag >20% of equity** (`cap_aoci`)
- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 2 |  | losing money |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 | uninsured deposits leaving | charge-offs p90 |
| 2012-06 | 1 |  | uninsured deposits leaving |
| 2012-09 | 4 | wholesale funding >15%, leverage <7%, capital falling |  |
| 2012-12 | 4 | brokered >10% | capital falling |
| 2013-03 | 2 | NIM <2.5% | reserve under noncurrent, wholesale funding >15%, brokered >10% |
| 2013-06 | 1 | wholesale funding >15% | leverage <7%, NIM <2.5% |
| 2013-09 | 2 | reserve under noncurrent |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 | charge-offs p90 | wholesale funding >15% |
| 2014-06 | 2 | wholesale funding >15% | charge-offs p90 |
| 2014-09 | 2 | capital falling | wholesale funding >15% |
| 2014-12 | 3 | wholesale funding >15%, charge-offs p90 | capital falling |
| 2015-03 | 1 |  | wholesale funding >15%, charge-offs p90 |
| 2015-06 | 0 |  | reserve under noncurrent |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | assets shrinking |  |
| 2016-09 | 0 |  | assets shrinking |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | capital falling |  |
| 2018-12 | 0 |  | capital falling |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | capital falling |  |
| 2019-12 | 1 | uninsured deposits leaving | capital falling |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | capital falling |  |
| 2020-09 | 2 | charge-offs p90 | capital falling |
| 2020-12 | 0 |  | uninsured deposits leaving, charge-offs p90 |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |

## 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=34076 (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/28.json (key "34076", 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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