# FIRST BANK OF LILLY
LILLY, PA · FDIC certificate 7577 · asset band <$300M · latest filing 2019-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. 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 | $20.2M | |
| Deposits | $16.7M | |
| Loans and leases | $5.7M | |
| Total equity | $3.5M | |
| Loans / deposits | 33.96% (p6 of band) | 77.79% |
| Liquid assets / assets | 70.03% (p95 of band) | |
| Uninsured deposits / deposits | 2.90% (p3 of band) | 15.94% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p21 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 16.80% (p87 of band) | 11.56% |
| Unrealized securities loss / equity | 2.67% (p79 of band) | 0.80% |
| AOCI / equity | 5.48% (p78 of band) | |
| ROA (annualized) | -1.15% (p2 of band) | 1.05% |
| Net interest margin | 3.22% (p19 of band) | 3.84% |
| Efficiency ratio | 137.17% (p98 of band) | |
| Noncurrent loans | 1.07% (p68 of band) | 0.56% |
| Net charge-offs (annualized) | 0.19% (p89 of band) | |
| Reserve coverage of noncurrent | 83.61% | |
| Real estate % of loans | 63% | |
| Construction % of loans | 12.43% (p44 of band) | |
| Auto loans | $322,000 (5.63% of loans; DQ 0.00%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -0.3% | |
| Employees | 5 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 2 | deposits shrinking |  |
| 2012-09 | 3 | uninsured deposits leaving |  |
| 2012-12 | 2 | capital falling | deposits shrinking, uninsured deposits leaving |
| 2013-03 | 1 |  | capital falling |
| 2013-06 | 1 |  |  |
| 2013-09 | 2 | assets shrinking |  |
| 2013-12 | 4 | deposits shrinking, uninsured deposits leaving |  |
| 2014-03 | 4 |  |  |
| 2014-06 | 1 |  | assets shrinking, deposits shrinking, uninsured deposits leaving |
| 2014-09 | 3 | capital falling, deposits shrinking |  |
| 2014-12 | 3 | uninsured deposits leaving | capital falling |
| 2015-03 | 4 | losing money, expense ratio p90, noncurrent p90 | deposits shrinking, uninsured deposits leaving |
| 2015-06 | 8 | capital falling, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2015-09 | 6 |  | capital falling, assets shrinking |
| 2015-12 | 4 |  | deposits shrinking, uninsured deposits leaving |
| 2016-03 | 1 |  | losing money, expense ratio p90, noncurrent p90 |
| 2016-06 | 3 | expense ratio p90, uninsured deposits leaving |  |
| 2016-09 | 2 |  | uninsured deposits leaving |
| 2016-12 | 3 | noncurrent p90 |  |
| 2017-03 | 2 |  | expense ratio p90 |
| 2017-06 | 3 | capital falling, expense ratio p90 | noncurrent p90 |
| 2017-09 | 4 | uninsured deposits leaving |  |
| 2017-12 | 3 |  | uninsured deposits leaving |
| 2018-03 | 1 |  | capital falling, expense ratio p90 |
| 2018-06 | 2 | expense ratio p90 |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 1 |  | expense ratio p90 |
| 2019-06 | 1 |  |  |
| 2019-09 | 3 | losing money, expense ratio p90 |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2019-10-15 [Somerset Trust expanding in Cambria County - Daily American](https://news.google.com/rss/articles/CBMivgFBVV95cUxNTHhCenpVVTNOMmlxRWRoRFZNaTZxbDVqYzdSY01aSTFmSjJnTHpZYUMwQzIzYjVGTXpVZnFHRVNVbWRhQXF1TVhUR05wTFNFYnhlSGNzVXl6c3B2S1hkM3dUa3JETEMxSW1YM1VwT3lKd2hXbTNzT1BsbUl4RVFpNnVJbjl5R0FvNDBNelM3YlhDeWxqNW9OcGFGRnhzZC1LbDNocmlUUGdraER4NDJnS0NyekxRMXlCTFFlTW5R?oc=5) · Daily American
- 2019-12-03 [Somerset Trust finds the perfect opportunity to expand - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNbk02eHpXLXQ1NXdPeENMWWVUT28zTWpSQlFRdFdNNFN6R1F4aG9wX2ZPRWR2UjdBWWZwMW1hb09hdzUyc3RMYWxfS0lzUUxHNzllcmVPSkpraktTd0hLZm83MUdlQW9DYXc4V3ZUMUVWbEhYdW14MW5OYWpJMDNiNXJrRjJvUlRDMEVzZ1BvcVVYalFFVDNWSEJNSjBWWUdmRXlYUmpVZ1pYbTA?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=7577 (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/25.json (key "7577", 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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