# SUMNER NB OF SHELDON
SHELDON, IL · FDIC certificate 936 · asset band <$300M · latest filing 2016-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (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 | $23.9M | |
| Deposits | $22.3M | |
| Loans and leases | $10.5M | |
| Total equity | $1.6M | |
| Loans / deposits | 46.86% (p13 of band) | 75.30% |
| Liquid assets / assets | 53.23% (p84 of band) | |
| Uninsured deposits / deposits | 26.95% (p87 of band) | 14.23% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 7.60% (p3 of band) | 10.87% |
| Unrealized securities loss / equity | -1.34% (p1 of band) | 1.65% |
| AOCI / equity | 2.37% (p81 of band) | |
| ROA (annualized) | -0.64% (p3 of band) | 0.88% |
| Net interest margin | 2.96% (p16 of band) | 3.67% |
| Efficiency ratio | 111.70% (p97 of band) | |
| Noncurrent loans | 0.67% (p50 of band) | 0.69% |
| Net charge-offs (annualized) | 0.43% (p95 of band) | |
| Reserve coverage of noncurrent | 149.30% | |
| Real estate % of loans | 69% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $615,000 (5.84% of loans; DQ 10.08%, NCO 0.11%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 28.6% | |
| Employees | 8 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **charge-offs p90** (`aq_nco`)

## Warning timeline

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

## 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=936 (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/40.json (key "936", 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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