# CITIZENS STB OF SHIPMAN
SHIPMAN, IL · FDIC certificate 5760 · asset band <$300M · latest filing 2011-06 · 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 | $60.5M | |
| Deposits | $51.4M | |
| Loans and leases | $27.2M | |
| Total equity | $5.0M | |
| Loans / deposits | 52.39% (p18 of band) | 71.80% |
| Liquid assets / assets | 45.56% (p75 of band) | |
| Uninsured deposits / deposits | 1.39% (p8 of band) | 7.92% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 5.50% (p65 of band) | |
| FHLB advances / assets | 4.81% | |
| Tier 1 leverage | 6.17% (p4 of band) | 9.80% |
| Unrealized securities loss / equity | 10.63% (p89 of band) | 2.62% |
| AOCI / equity | 1.74% (p61 of band) | |
| ROA (annualized) | 0.67% (p49 of band) | 0.68% |
| Net interest margin | 3.66% (p39 of band) | 3.84% |
| Efficiency ratio | 68.67% (p37 of band) | |
| Noncurrent loans | 2.17% (p61 of band) | 1.53% |
| Net charge-offs (annualized) | 0.03% (p39 of band) | |
| Reserve coverage of noncurrent | 55.57% | |
| Real estate % of loans | 42% | |
| Construction % of loans | 5.79% (p30 of band) | |
| Auto loans | $365,000 (1.34% of loans; DQ 1.37%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | – | |
| Employees | 15 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | leverage <7%, reserve under noncurrent |  |
| 2011-06 | 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=5760 (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/0.json (key "5760", 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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