# CITIZENS NB OF PARIS
PARIS, IL · FDIC certificate 3721 · asset band <$300M · latest filing 2012-03 · 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 | $214.6M | |
| Deposits | $181.3M | |
| Loans and leases | $102.8M | |
| Total equity | $18.7M | |
| Loans / deposits | 53.03% (p24 of band) | 67.95% |
| Liquid assets / assets | 48.01% (p73 of band) | |
| Uninsured deposits / deposits | 9.64% (p57 of band) | 8.38% |
| Brokered deposits | 0.13% | |
| Wholesale funding | 6.56% (p74 of band) | |
| FHLB advances / assets | 2.80% | |
| Tier 1 leverage | 7.83% (p12 of band) | 9.95% |
| Unrealized securities loss / equity | 10.72% (p89 of band) | 2.77% |
| AOCI / equity | 1.28% (p95 of band) | |
| ROA (annualized) | 0.29% (p22 of band) | 0.78% |
| Net interest margin | 2.63% (p7 of band) | 3.77% |
| Efficiency ratio | 86.45% (p77 of band) | |
| Noncurrent loans | 7.03% (p93 of band) | 1.40% |
| Net charge-offs (annualized) | 0.00% (p24 of band) | |
| Reserve coverage of noncurrent | 92.30% | |
| Real estate % of loans | 56% | |
| Construction % of loans | 30.51% (p66 of band) | |
| Auto loans | $1.6M (1.52% of loans; DQ 2.42%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 5.8% | |
| Employees | 47 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | noncurrent p90 |  |
| 2011-12 | 4 | losing money, expense ratio p90 |  |
| 2012-03 | 2 |  | losing money, expense ratio p90 |

## 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=3721 (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/9.json (key "3721", 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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