# FIRST CMTY FINANCIAL BANK
JOLIET, IL · FDIC certificate 58769 · asset band $1-10B · latest filing 2017-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 5 (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 | $1.50B | |
| Deposits | $1.15B | |
| Loans and leases | $1.12B | |
| Total equity | $248.5M | |
| Loans / deposits | 97.48% (p72 of band) | 89.41% |
| Liquid assets / assets | 13.18% (p18 of band) | |
| Uninsured deposits / deposits | 15.14% (p21 of band) | 25.99% |
| Brokered deposits | 9.86% | |
| Wholesale funding | 16.22% (p75 of band) | |
| FHLB advances / assets | 4.18% | |
| Tier 1 leverage | 8.94% (p21 of band) | 10.05% |
| Unrealized securities loss / equity | 0.16% (p59 of band) | -0.01% |
| AOCI / equity | 0.01% (p8 of band) | |
| ROA (annualized) | 0.30% (p4 of band) | 1.02% |
| Net interest margin | 1.42% (p3 of band) | 3.52% |
| Efficiency ratio | 52.14% (p19 of band) | |
| Noncurrent loans | 1.02% (p77 of band) | 0.54% |
| Net charge-offs (annualized) | -0.01% (p12 of band) | |
| Reserve coverage of noncurrent | 14.22% | |
| Real estate % of loans | 67% | |
| Construction % of loans | 21.96% (p25 of band) | |
| Auto loans | $1.7M (0.15% of loans; DQ 0.60%, NCO 0.00%) | |
| Loans to nondepository financials | $1.1M (0% of equity) (p78 of band) | |
| Deposits YoY | 7.8% | |
| Employees | 135 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **capital falling** (`cap_falling`)
- **NIM <2.5%** (`earn_nim`)
- **reserve under noncurrent** (`aq_reserve`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | loans exceed deposits, reserve under noncurrent |  |
| 2011-06 | 0 |  | loans exceed deposits, reserve under noncurrent |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 0 |  | capital falling |
| 2012-06 | 1 | uninsured deposits leaving |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 0 |  | uninsured deposits leaving |
| 2013-03 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 3 | noncurrent p90 |  |
| 2014-03 | 3 | capital falling | noncurrent p90 |
| 2014-06 | 1 |  | reserve under noncurrent, capital falling |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | charge-offs p90 |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | capital falling |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 1 | wholesale funding >15% |  |
| 2016-09 | 2 | brokered >10%, capital falling | wholesale funding >15% |
| 2016-12 | 3 | wholesale funding >15% |  |
| 2017-03 | 4 | uninsured deposits leaving |  |
| 2017-06 | 5 | charge-offs p90 |  |
| 2017-09 | 5 | NIM <2.5%, reserve under noncurrent | brokered >10%, charge-offs 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=58769 (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/17.json (key "58769", 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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