# AMERICAN EAGLE BK OF CHICAGO
CHICAGO, IL · FDIC certificate 58514 · asset band <$300M · latest filing 2020-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 8 (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 | $87.5M | |
| Deposits | $73.2M | |
| Loans and leases | $56.0M | |
| Total equity | $9.5M | |
| Loans / deposits | 75.82% (p56 of band) | 72.51% |
| Liquid assets / assets | 29.64% (p39 of band) | |
| Uninsured deposits / deposits | 11.22% (p24 of band) | 17.44% |
| Brokered deposits | 12.38% | |
| Wholesale funding | 16.95% (p93 of band) | |
| FHLB advances / assets | 4.57% | |
| Tier 1 leverage | 10.63% (p47 of band) | 10.85% |
| Unrealized securities loss / equity | 0.02% (p14 of band) | 2.55% |
| AOCI / equity | 0.16% (p25 of band) | |
| ROA (annualized) | 0.14% (p9 of band) | 0.95% |
| Net interest margin | 2.31% (p7 of band) | 3.57% |
| Efficiency ratio | 94.90% (p92 of band) | |
| Noncurrent loans | 0.03% (p23 of band) | 0.49% |
| Net charge-offs (annualized) | 0.06% (p76 of band) | |
| Reserve coverage of noncurrent | 2594.44% | |
| Real estate % of loans | 56% | |
| Construction % of loans | 80.15% (p93 of band) | |
| Auto loans | $22.2M (39.70% of loans; DQ 0.49%, NCO 0.06%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -15.0% | |
| Employees | 6 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)
- **auto book souring** (`conc_auto`)
- **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 | 4 | brokered >10%, liquid assets <10%, reserve under noncurrent, auto book souring |  |
| 2011-06 | 5 | wholesale funding >15%, charge-offs p90 | liquid assets <10% |
| 2011-09 | 6 | losing money |  |
| 2011-12 | 5 |  | wholesale funding >15% |
| 2012-03 | 5 | expense ratio p90 | charge-offs p90 |
| 2012-06 | 4 |  | expense ratio p90 |
| 2012-09 | 4 | capital falling, uninsured deposits leaving | reserve under noncurrent, losing money |
| 2012-12 | 3 |  | capital falling |
| 2013-03 | 3 |  |  |
| 2013-06 | 4 | deposits shrinking, assets shrinking | uninsured deposits leaving |
| 2013-09 | 3 | capital falling | deposits shrinking, assets shrinking |
| 2013-12 | 3 |  |  |
| 2014-03 | 3 |  |  |
| 2014-06 | 3 |  |  |
| 2014-09 | 3 |  |  |
| 2014-12 | 2 |  | capital falling |
| 2015-03 | 3 | reserve under noncurrent |  |
| 2015-06 | 2 |  | reserve under noncurrent |
| 2015-09 | 3 | construction >100% equity |  |
| 2015-12 | 4 | liquid assets <10% |  |
| 2016-03 | 2 |  | construction >100% equity, liquid assets <10% |
| 2016-06 | 3 | capital falling |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 4 | liquid assets <10%, charge-offs p90 | capital falling |
| 2017-06 | 3 |  | liquid assets <10% |
| 2017-09 | 5 | wholesale funding >15%, construction >100% equity |  |
| 2017-12 | 7 | liquid assets <10%, capital falling |  |
| 2018-03 | 6 |  | liquid assets <10% |
| 2018-06 | 6 |  |  |
| 2018-09 | 5 |  | wholesale funding >15% |
| 2018-12 | 6 | reserve under noncurrent |  |
| 2019-03 | 5 |  | capital falling |
| 2019-06 | 4 |  | construction >100% equity |
| 2019-09 | 8 | expense ratio p90, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2019-12 | 5 |  | charge-offs p90, reserve under noncurrent, expense ratio p90 |
| 2020-03 | 6 | expense ratio p90, NIM <2.5% | uninsured deposits leaving |
| 2020-06 | 8 | wholesale funding >15%, construction >100% equity |  |
| 2020-09 | 8 | uninsured deposits leaving | construction >100% equity |

## 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=58514 (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/18.json (key "58514", 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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