# CATLIN BANK
CATLIN, IL · FDIC certificate 3615 · asset band <$300M · latest filing 2023-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. 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 | $86.7M | |
| Deposits | $79.2M | |
| Loans and leases | $41.3M | |
| Total equity | $6.9M | |
| Loans / deposits | 51.67% (p28 of band) | 65.77% |
| Liquid assets / assets | 45.87% (p64 of band) | |
| Uninsured deposits / deposits | 28.40% (p77 of band) | 19.70% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p21 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.50% (p11 of band) | 10.97% |
| Unrealized securities loss / equity | -12.13% (p63 of band) | -19.70% |
| AOCI / equity | 2.39% (p59 of band) | |
| ROA (annualized) | -0.19% (p5 of band) | 1.01% |
| Net interest margin | 3.28% (p35 of band) | 3.56% |
| Efficiency ratio | 108.89% (p96 of band) | |
| Noncurrent loans | 0.19% (p51 of band) | 0.18% |
| Net charge-offs (annualized) | 0.02% (p85 of band) | |
| Reserve coverage of noncurrent | 494.87% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 79.69% (p85 of band) | |
| Auto loans | $690,000 (1.67% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -0.2% | |
| Employees | 19 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | expense ratio p90, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 1 |  | expense ratio p90 |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 3 | deposits shrinking, assets shrinking |  |
| 2013-12 | 0 |  | reserve under noncurrent, deposits shrinking, assets shrinking |
| 2014-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2014-06 | 1 |  | deposits shrinking, assets shrinking |
| 2014-09 | 0 |  | uninsured deposits leaving |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 1 | reserve under noncurrent |  |
| 2015-12 | 0 |  | reserve under noncurrent |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | construction >100% equity |  |
| 2016-09 | 2 | reserve under noncurrent |  |
| 2016-12 | 2 | charge-offs p90 | construction >100% equity |
| 2017-03 | 0 |  | reserve under noncurrent, charge-offs p90 |
| 2017-06 | 1 | reserve under noncurrent |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | capital falling |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 1 |  | capital falling |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 | uninsured deposits leaving | reserve under noncurrent |
| 2019-03 | 1 |  |  |
| 2019-06 | 0 |  | uninsured deposits leaving |
| 2019-09 | 2 | capital falling, charge-offs p90 |  |
| 2019-12 | 1 |  | capital falling |
| 2020-03 | 0 |  | charge-offs p90 |
| 2020-06 | 1 | uninsured deposits leaving |  |
| 2020-09 | 0 |  | uninsured deposits leaving |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | charge-offs p90 |  |
| 2022-06 | 0 |  | charge-offs p90 |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 2 | losing money, expense ratio p90 |  |

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

- 2024-11-24 [Brittany Jo Smith Obituary Mar 7, 2015 - Sunset Funeral Home and Cremation Center](https://news.google.com/rss/articles/CBMiakFVX3lxTFByVExfVjVfR3VSbzRJMENQczRMaGhuMHdBanhhVkJ4LVNCaFJxY0tTYUt3cXEwNU5QbUhMUnFUWW5lU2swMFF0QkN0TGx2UkpDb0pkcnN4bDRnOHRpdnNpdUd5NGFlSnJxaEE?oc=5) · Sunset Funeral Home and Cremation Center
- 2022-06-07 [Virginia Alice Wallen Obituary Jun 7, 2022 - Robison Chapel](https://news.google.com/rss/articles/CBMiZEFVX3lxTE8ydXFSMXpQTUV5UTlUbnVIR3RPYjRGdFd5UHVaWWRrTW5qQUZtdnpCVy1PZFdudmJqVVNqV2VXX0F3NDJCaThWcV9aZHRwZVZIR1ZsMzdWSEZtU0ZHNXFIT0NncUc?oc=5) · Robison Chapel
- 2021-06-12 [Mark A. Weber Obituary Jun 12, 2021 - Robison Chapel](https://news.google.com/rss/articles/CBMiXkFVX3lxTE9rZFlRZ1BOOEE3aXJTNlZxOWZxc1lpX2JENFJRaUY3bll3YzdxRlFjSW9SMHdaSXRjLWhZWXRYeTNoWlc5eXBhZThpSE5JXzQwbzZkei1veEZKU1FMZWc?oc=5) · Robison Chapel
- 2019-08-11 [Clifford M. Huddleson Obituary Aug 11, 2019 - Robison Chapel](https://news.google.com/rss/articles/CBMiaEFVX3lxTE94OVJ0Z1VzaEEycVg1b3ZBeEhxSHdZWm1xVDhjLUNzZzJJMDZaLV93bkZSNzh6YjdYdGxUdFNON1NqM3YyN0Fmcmk5cERIenlmTzN6VHBlX29BS3k4cGxBdjI2TkxoZ0tL?oc=5) · Robison Chapel

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3615 (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/31.json (key "3615", 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