# FARMERS &TRADERS STATE BANK
SHABBONA, IL · FDIC certificate 9257 · asset band <$300M · latest filing 2012-03 · FAILED

**Verdict on the desk:** this could be *credit-stressed*. Composite score 13 (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 | $43.1M | |
| Deposits | $42.3M | |
| Loans and leases | $21.4M | |
| Total equity | $577,000 | |
| Loans / deposits | 46.63% (p16 of band) | 67.95% |
| Liquid assets / assets | 45.09% (p69 of band) | |
| Uninsured deposits / deposits | 2.74% (p14 of band) | 8.38% |
| Brokered deposits | 3.72% | |
| Wholesale funding | 3.72% (p61 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 1.26% (p0 of band) | 9.95% |
| Unrealized securities loss / equity | 5.37% (p69 of band) | 2.77% |
| AOCI / equity | 0.69% (p90 of band) | |
| ROA (annualized) | -7.20% (p0 of band) | 0.78% |
| Net interest margin | 2.42% (p5 of band) | 3.77% |
| Efficiency ratio | 217.74% (p99 of band) | |
| Noncurrent loans | 36.05% (p100 of band) | 1.40% |
| Net charge-offs (annualized) | 11.87% (p100 of band) | |
| Reserve coverage of noncurrent | 21.42% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 239.86% (p99 of band) | |
| Auto loans | $367,000 (1.72% of loans; DQ 0.00%, NCO 0.02%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -10.0% | |
| Employees | 12 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | brokered >10%, wholesale funding >15%, losing money, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 6 | leverage <7%, noncurrent p90 | charge-offs p90 |
| 2011-09 | 9 | capital falling, expense ratio p90, charge-offs p90 |  |
| 2011-12 | 10 | leverage <5%, construction >100% equity | brokered >10%, wholesale funding >15% |
| 2012-03 | 13 | NIM <2.5%, deposits shrinking, assets shrinking |  |

## 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=9257 (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/41.json (key "9257", 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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