# ROCKFORD BANK&TRUST CO
ROCKFORD, IL · FDIC certificate 57927 · asset band $300M-1B · latest filing 2019-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $519.5M | |
| Deposits | $451.5M | |
| Loans and leases | $418.9M | |
| Total equity | $46.2M | |
| Loans / deposits | 91.35% (p66 of band) | 85.55% |
| Liquid assets / assets | 15.35% (p23 of band) | |
| Uninsured deposits / deposits | 28.68% (p71 of band) | 22.02% |
| Brokered deposits | 5.21% | |
| Wholesale funding | 8.32% (p69 of band) | |
| FHLB advances / assets | 2.89% | |
| Tier 1 leverage | 9.09% (p14 of band) | 10.66% |
| Unrealized securities loss / equity | 0.38% (p33 of band) | 0.93% |
| AOCI / equity | 1.07% (p29 of band) | |
| ROA (annualized) | 0.43% (p8 of band) | 1.13% |
| Net interest margin | 2.83% (p8 of band) | 3.75% |
| Efficiency ratio | 81.04% (p89 of band) | |
| Noncurrent loans | 1.07% (p75 of band) | 0.53% |
| Net charge-offs (annualized) | 0.26% (p93 of band) | |
| Reserve coverage of noncurrent | 145.00% | |
| Real estate % of loans | 64% | |
| Construction % of loans | 75.72% (p80 of band) | |
| Auto loans | $1.3M (0.31% of loans; DQ 1.17%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 12.4% | |
| Employees | 70 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | loans exceed deposits, brokered >10%, wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 4 |  |  |
| 2011-09 | 4 |  |  |
| 2011-12 | 3 |  | brokered >10% |
| 2012-03 | 3 | capital falling | loans exceed deposits |
| 2012-06 | 3 | uninsured deposits leaving | capital falling |
| 2012-09 | 3 |  |  |
| 2012-12 | 4 | loans exceed deposits |  |
| 2013-03 | 3 | capital falling | uninsured deposits leaving, loans exceed deposits |
| 2013-06 | 4 | loans exceed deposits |  |
| 2013-09 | 4 |  |  |
| 2013-12 | 3 |  | capital falling |
| 2014-03 | 3 |  |  |
| 2014-06 | 4 | capital falling |  |
| 2014-09 | 2 |  | reserve under noncurrent, capital falling |
| 2014-12 | 2 |  |  |
| 2015-03 | 3 | charge-offs p90 |  |
| 2015-06 | 3 | brokered >10% | charge-offs p90 |
| 2015-09 | 2 |  | brokered >10% |
| 2015-12 | 3 | brokered >10% |  |
| 2016-03 | 2 |  | brokered >10% |
| 2016-06 | 4 | brokered >10%, capital falling |  |
| 2016-09 | 4 |  |  |
| 2016-12 | 2 |  | loans exceed deposits, capital falling |
| 2017-03 | 3 | loans exceed deposits |  |
| 2017-06 | 2 |  | loans exceed deposits |
| 2017-09 | 3 | capital falling |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 3 |  |  |
| 2018-06 | 4 | loans exceed deposits |  |
| 2018-09 | 5 | losing money, noncurrent p90 | loans exceed deposits |
| 2018-12 | 3 | charge-offs p90 | capital falling, losing money, noncurrent p90 |
| 2019-03 | 2 |  | charge-offs p90 |
| 2019-06 | 1 | charge-offs p90 | wholesale funding >15%, brokered >10% |
| 2019-09 | 1 |  |  |

## 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=57927 (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/7.json (key "57927", 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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