# BAYTREE NB&T CO
LAKE FOREST, IL · FDIC certificate 35431 · asset band <$300M · latest filing 2014-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (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 | $76.7M | |
| Deposits | $70.6M | |
| Loans and leases | $22.0M | |
| Total equity | $5.7M | |
| Loans / deposits | 30.23% (p6 of band) | 71.50% |
| Liquid assets / assets | 63.75% (p91 of band) | |
| Uninsured deposits / deposits | 17.20% (p66 of band) | 13.21% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 6.84% (p3 of band) | 10.45% |
| Unrealized securities loss / equity | 0.04% (p38 of band) | 0.49% |
| AOCI / equity | -0.05% (p9 of band) | |
| ROA (annualized) | 0.32% (p18 of band) | 0.81% |
| Net interest margin | 4.58% (p89 of band) | 3.66% |
| Efficiency ratio | 80.66% (p66 of band) | |
| Noncurrent loans | 0.92% (p55 of band) | 0.76% |
| Net charge-offs (annualized) | 2.32% (p100 of band) | |
| Reserve coverage of noncurrent | 301.00% | |
| Real estate % of loans | 81% | |
| 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 | -39.5% | |
| Employees | 13 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **charge-offs p90** (`aq_nco`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | brokered >10%, wholesale funding >15%, losing money, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 6 | charge-offs p90 |  |
| 2011-09 | 8 | leverage <7%, capital falling |  |
| 2011-12 | 7 |  | wholesale funding >15% |
| 2012-03 | 6 |  | brokered >10% |
| 2012-06 | 6 |  |  |
| 2012-09 | 6 | deposits shrinking | capital falling |
| 2012-12 | 10 | leverage <5%, assets shrinking, uninsured deposits leaving |  |
| 2013-03 | 10 | expense ratio p90 | uninsured deposits leaving |
| 2013-06 | 10 |  |  |
| 2013-09 | 10 |  |  |
| 2013-12 | 11 | capital falling |  |
| 2014-03 | 12 | uninsured deposits leaving |  |
| 2014-06 | 12 |  |  |
| 2014-09 | 12 |  |  |
| 2014-12 | 5 |  | losing money, noncurrent p90, reserve under noncurrent, leverage <5%, expense ratio p90, capital falling |

## 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=35431 (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/39.json (key "35431", 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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