# AREA BANK
ROSICLARE, IL · FDIC certificate 9641 · asset band <$300M · latest filing 2014-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 2 (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 | $104.0M | |
| Deposits | $95.1M | |
| Loans and leases | $26.0M | |
| Total equity | $8.5M | |
| Loans / deposits | 26.87% (p5 of band) | 71.36% |
| Liquid assets / assets | 72.19% (p95 of band) | |
| Uninsured deposits / deposits | 13.65% (p55 of band) | 12.72% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.31% (p37 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.21% (p10 of band) | 10.52% |
| Unrealized securities loss / equity | -0.59% (p27 of band) | 0.17% |
| AOCI / equity | 21.67% (p99 of band) | |
| ROA (annualized) | 0.44% (p25 of band) | 0.81% |
| Net interest margin | 2.47% (p6 of band) | 3.65% |
| Efficiency ratio | 81.21% (p69 of band) | |
| Noncurrent loans | 0.62% (p42 of band) | 0.86% |
| Net charge-offs (annualized) | 0.01% (p44 of band) | |
| Reserve coverage of noncurrent | 251.55% | |
| Real estate % of loans | 60% | |
| Construction % of loans | 1.18% (p18 of band) | |
| Auto loans | $457,000 (1.76% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 2.6% | |
| Employees | 20 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **NIM <2.5%** (`earn_nim`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 1 | reserve under noncurrent | capital falling |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | NIM <2.5% |  |
| 2013-06 | 3 | AOCI drag >20% of equity, charge-offs p90 | reserve under noncurrent |
| 2013-09 | 2 |  | NIM <2.5% |
| 2013-12 | 1 |  | charge-offs p90 |
| 2014-03 | 0 |  | AOCI drag >20% of equity |
| 2014-06 | 0 |  |  |
| 2014-09 | 2 | capital falling, NIM <2.5% |  |

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

- 2026-04-02 [Man busted while trying to rob Chicago-area bank at gunpoint - FOX 32 Chicago](https://news.google.com/rss/articles/CBMikgFBVV95cUxOQVlSaEtMemtpdHVUUkV6Y0tjMDBndTE4cnVEdnRudXFYSXpiQ3Y4Z2NfR3lWZ2VXNi1JRXJxVmlOTGk0VGprZXUzS2t0Z2RZa2k3eHlSN2hZQVhtb01xcTNMM05xWlJ6a09QeTBlbWVDNmdNSVgyaV85VTdzbXI3UEpGUkd5c09XUlhLQjkyZ3ZqQQ?oc=5) · FOX 32 Chicago
- 2023-08-30 [Michigan credit union buys Chicago-area bank in August deal surge - Banking Dive](https://news.google.com/rss/articles/CBMixwFBVV95cUxPc1h5WlpLTXg1am5xSkJ0NzNUTjc0YTZQM3ZHd3NtN0pKbTVVREhScTNyUUtseXNQNFlSZG5YSU1OOVRzRmdXcXRqczMwVHdrMDRQSUJmc2gzamxQeHU1Vm84QU4xcWFIWVJXWk9aVGl2b3E2ckdtRWxfTTVjckZyMzdsbDZ4b2ViSHJsV2ppU3ViLWxhMENLc3I5eTZ6cXJqSXk0XzdrZWlmd0hXdXpTTWpWdlh4WGdRWGRsUW9xRmt3N0ZRWUQ4?oc=5) · Banking Dive
- 2024-08-27 [KC-area bank agrees to $917M merger with Illinois company - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNVkg5N3paY3FmUklpNzFoT0VNeFY0ZjhhejdBbzdxYTBCRG10T1ozUzc2UXFyTU12eHlWeVNCTHQ1MjFoUTJpOFpjZUlYUm9LdEZ2VzNXV2VYcl9tSFF0eFI1TFBlai1uT3NFOHZjY29ZME4zOXpmbnBQQ3FndFRuaGxPQ3AwQVQyNTFQVUx1LXh0QnRZelZnU2hYWThhRkUwWERaVXFPMTZyQQ?oc=5) · The Business Journals
- 2022-07-21 ['It's insanity' – Customers complain of issues after Chicago-area bank merger - CBS News](https://news.google.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?oc=5) · CBS News
- 2018-05-22 [Chicago area bank robberies take dive so far this year - ABC7 Chicago](https://news.google.com/rss/articles/CBMilwFBVV95cUxQcFU3XzJVWlI0XzlmaEVIREZpdUJPR2FQNGExVzItWGlRLTZxbUhZQkhXTHQ4QlpQYW9RdzdlZjI1NE00TllxWHBzQlBwSXh2WmxtN0pOMTRkeWpDdW5VRFhRd2duMDFGUzlpMTVlTDJIWV9Fby1jVjhkLW5tMHNHdXczY0dCMVkxemZJcGRDc0VfbE44b3E00gGcAUFVX3lxTE94VkI0NGpHSHloOGc0RHpKYlhRWW0wdnp2VS1mTE5TWWxoUW5fVXUxRzc4Vnl5NW8zQ1pVSndaUUZvSGhvS1FrR3NsSXZSUll4c19lbHlmZFMtMVpRUkhWcTBwcmJtNTRxdWNQa01iektZSlF6UjRVazdFd0JtY0lfejBHOHgtRHZmdUpiMDh3d3BNQmJ3V3FhWDlPSA?oc=5) · ABC7 Chicago
- 2011-09-13 [Robbery of U.S. Bank Branch in Oak Park - fbi.gov](https://news.google.com/rss/articles/CBMijgFBVV95cUxNRVFxRjBFQTFNcl9ZeTFUNVY2T0x3OEVuWmFQeko3eE9ZLTBkNWZNTDNNOW1XU2lERldVQ0VpNmEwZmN1TGRRclF6TW1wVy1fdHMyXzdUOXkySlZtMk55R2E3anJSX0gtR1E2dnVPR3ZRSWJheDhPVi1yNDRVNG5QRUlZb0pMU0twSl9ZXy1B?oc=5) · fbi.gov
- 2025-01-09 [Economic Bulletin Issue 8, 2024 - European Central Bank](https://news.google.com/rss/articles/CBMie0FVX3lxTFA0dkZjM25TLW1lUTQxcjY0NTdYNFRZWmJBMGFvNHQzTjJjSXpxczBHN0ZGZ0VCN080SWs3ZURqeTJtRnJnT3BxenczYjI3WkM1MDFhYk8xdE9aZjFaZEpReFBmdl9YVU1nZlJsRUlqX3Q4OFZjaHJJeHZsYw?oc=5) · European Central Bank
- 2022-11-03 [Bank Robberies Over Halloween Weekend In Plainfield Area Likely Related: FBI - Patch](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOU21Fdi1IQWlZaVNjaG4yMFNOU1BhOEZ1MjVwNlI2X1lYVy01MEt3Z3Z5T0RiS3pQVHRFS3ZsQmFNYktNaTJud181aHJwMXVQdzIxRW5Mb19yYmdRbVpvRWJUWDZvUVBvMk9SV2lxS3A0R2JHa0VtUkFhNzhjWm5MaVBSOG1NVzdvVkdlV3hyME9odFBaSWFFSUxQV3NUZk9GbjREbFpHVUY?oc=5) · Patch

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9641 (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 "9641", 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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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide