# BURR RIDGE BANK&TRUST
BURR RIDGE, IL · FDIC certificate 58846 · asset band <$300M · latest filing 2012-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 3 (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 | $185.4M | |
| Deposits | $161.6M | |
| Loans and leases | $143.2M | |
| Total equity | $20.9M | |
| Loans / deposits | 86.79% (p84 of band) | 68.02% |
| Liquid assets / assets | 19.12% (p14 of band) | |
| Uninsured deposits / deposits | 20.46% (p90 of band) | 8.86% |
| Brokered deposits | 6.28% | |
| Wholesale funding | 7.55% (p78 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.12% (p66 of band) | 10.05% |
| Unrealized securities loss / equity | 2.09% (p41 of band) | 3.01% |
| AOCI / equity | 0.29% (p66 of band) | |
| ROA (annualized) | 0.42% (p29 of band) | 0.76% |
| Net interest margin | 3.90% (p58 of band) | 3.75% |
| Efficiency ratio | 58.80% (p16 of band) | |
| Noncurrent loans | 2.07% (p65 of band) | 1.21% |
| Net charge-offs (annualized) | 1.01% (p94 of band) | |
| Reserve coverage of noncurrent | 99.05% | |
| Real estate % of loans | 66% | |
| Construction % of loans | 10.92% (p42 of band) | |
| Auto loans | $77,000 (0.05% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 12.3% | |
| Employees | 15 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | reserve under noncurrent |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 3 | capital falling, charge-offs p90 |  |
| 2012-09 | 2 |  | charge-offs p90 |
| 2012-12 | 3 | 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=58846 (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/30.json (key "58846", 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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