# CITICORP TRUST BANK FSB
WILMINGTON, DE · FDIC certificate 18708 · asset band $10-100B · latest filing 2011-12 · stopped filing (departed)

**Verdict on the desk:** this could be *run candidate*. 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 | $11.82B | |
| Deposits | $132.0M | |
| Loans and leases | $9.91B | |
| Total equity | $1.31B | |
| Loans / deposits | 7022.38% (p99 of band) | 85.27% |
| Liquid assets / assets | 15.95% (p26 of band) | |
| Uninsured deposits / deposits | 96.61% (p97 of band) | 18.70% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 84.04% (p97 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.85% (p82 of band) | 9.72% |
| Unrealized securities loss / equity | 0.00% (p11 of band) | 2.64% |
| AOCI / equity | -0.96% (p16 of band) | |
| ROA (annualized) | 0.02% (p11 of band) | 0.90% |
| Net interest margin | 2.85% (p25 of band) | 3.64% |
| Efficiency ratio | 24.49% (p13 of band) | |
| Noncurrent loans | 4.91% (p84 of band) | 2.26% |
| Net charge-offs (annualized) | 1.65% (p88 of band) | |
| Reserve coverage of noncurrent | 130.19% | |
| Real estate % of loans | 100% | |
| Construction % of loans | 0.00% (p11 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (– of equity) | |
| Deposits YoY | – | |
| Employees | 48 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **uninsured deposits >50%** (`liq_uninsured`)
- **wholesale funding >15%** (`liq_wholesale`)
- **run vulnerability** (`liq_runrisk`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 6 | loans exceed deposits, brokered >10%, wholesale funding >15%, losing money, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 7 | uninsured deposits >50%, liquid assets <10%, run vulnerability | brokered >10%, charge-offs p90 |
| 2011-09 | 6 |  | liquid assets <10% |
| 2011-12 | 4 |  | losing money, 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=18708 (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/20.json (key "18708", 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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