# BANAMEX USA
CENTURY CITY, CA · FDIC certificate 18923 · asset band <$300M · latest filing 2017-03 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 5 (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 | $126.4M | |
| Deposits | $3,000 | |
| Loans and leases | $11.7M | |
| Total equity | $101.0M | |
| Loans / deposits | 390000.00% (p100 of band) | 73.48% |
| Liquid assets / assets | 90.09% (p99 of band) | |
| Uninsured deposits / deposits | 0.00% (p0 of band) | 14.60% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p19 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 75.97% (p98 of band) | 10.87% |
| Unrealized securities loss / equity | 0.00% (p66 of band) | -0.29% |
| AOCI / equity | 0.00% (p16 of band) | |
| ROA (annualized) | 0.00% (p6 of band) | 0.83% |
| Net interest margin | 0.00% (p0 of band) | 3.63% |
| Efficiency ratio | 0.00% (p0 of band) | |
| Noncurrent loans | 0.50% (p45 of band) | 0.63% |
| Net charge-offs (annualized) | 0.00% (p45 of band) | |
| Reserve coverage of noncurrent | 0.00% | |
| Real estate % of loans | 0% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -100.0% | |
| Employees | 79 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **NIM <2.5%** (`earn_nim`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | expense ratio p90 |  |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 3 | losing money |  |
| 2012-06 | 3 |  |  |
| 2012-09 | 4 | NIM <2.5% |  |
| 2012-12 | 4 |  |  |
| 2013-03 | 4 |  |  |
| 2013-06 | 3 |  | capital falling |
| 2013-09 | 5 | deposits shrinking, assets shrinking |  |
| 2013-12 | 6 | capital falling |  |
| 2014-03 | 8 | charge-offs p90, uninsured deposits leaving |  |
| 2014-06 | 8 |  |  |
| 2014-09 | 6 |  | capital falling, uninsured deposits leaving |
| 2014-12 | 6 | uninsured deposits leaving | assets shrinking |
| 2015-03 | 7 | assets shrinking |  |
| 2015-06 | 7 |  |  |
| 2015-09 | 7 |  |  |
| 2015-12 | 6 | loans exceed deposits, reserve under noncurrent | expense ratio p90, losing money, charge-offs p90 |
| 2016-03 | 7 | uninsured deposits >50% |  |
| 2016-06 | 6 |  | uninsured deposits >50% |
| 2016-09 | 6 |  |  |
| 2016-12 | 5 |  | uninsured deposits leaving |
| 2017-03 | 5 |  |  |

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

- 2015-07-22 [L.A.’s Banamex to close, pay $140 million in money laundering probe - Los Angeles Times](https://news.google.com/rss/articles/CBMikgFBVV95cUxQdF96NGR5QlNycGlMcW5aWFg0UjZCRjBqc3QxTjNQTUZIZHRENXIxVVc0WTZoYll4OFNMM2JLOGY3cTVKbU1WMjlVZ1JscFRnRXRsX3ZJemhNQ0UxS192dldmSm9PVnAtdGxVb2RoMVc3YmJvMjRyUUY1Nm1uR2pDWEp2dTJmcjBmblZOTDFKSDZDZw?oc=5) · Los Angeles Times
- 2017-02-01 [Citigroup Likely to Close Banamex USA - wsj.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxQbUE3Zk9mUVhkR1BMVkFTUXZkM0F0OEEtbTFvQ2kzTlBKQmJSUFJTdlU4WmREOHBHaWpmaDMwdG90ckxFeGZBTV9FSEY0SEJqZldfcEcyNGkxb1A3UDk2QnRQY3JSc3ZUZG0wUXU3a0pYbENnd2J3VDM1QURKMTRaTjVXMA?oc=5) · wsj.com
- 2017-05-22 [Citigroup Agrees to $97.4 Million Settlement in Money Laundering Inquiry (Published 2017) - The New York Times](https://news.google.com/rss/articles/CBMinwFBVV95cUxOckVYWDZDQzhaUHFSWGI2Y3M2akxoR2NDS0x0SDZlLTgzeGhpVVRLNDVFLVN1Y3BZZEFCYTVZYm9pZ0xBekVEMngwbDdXclg0T05TQmloQzRxQnJEZE9SWWRja2hjR3RrOV9tb1RXTVhqeWFEUmRoVDNxc04xN2JGWWRKT0lCdXI5eXZlQXY0b3Y1empHQWNWVmRmeGdjNGM?oc=5) · The New York Times
- 2024-10-02 [Fed lifts 2013 Citi enforcement action - Banking Dive](https://news.google.com/rss/articles/CBMikAFBVV95cUxPNVJpZktRcUhudmtzODYtb0ZhT1NSdG83R2NkdXRialFTSmliMG10cld0eFFnc3EwSEpORGdqRi1Fd3hEX1A2T3l5Mm04Wlp1TWZfQXBQRGk1ZEllTGxGUzJNalJ6UnNCT0pJWmVmZUlwRlJOWmVqcU5sM2l3dFFqNlpNQWxLVVFfbkJMTmJlalc?oc=5) · Banking Dive
- 2015-07-23 [Banamex USA Bank To Pay $140 Million Fine And Shut Down - KJZZ](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPaG43U3pUQXFGQU5XZTQxWXlHTy1KOUNzajJrQUdTaVRUN0ZnLWwyakhYTUpzZGI0YkppVGRQbU05T0VSTFRJREpwSHZBY3FCMmhFVWxYNUNTb1ktendTdEdEV1hxM28tQWFVRXpPQ1RhVk1GTTE4LXhhcGZMY25yblgtSEFtVUVFVEEw?oc=5) · KJZZ
- 2020-12-02 [Fintech firm Revolut names former Citigroup executive Rebecca Macieira-Kaufmann to its US board - CNBC](https://news.google.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?oc=5) · CNBC
- 2013-01-13 [Chinatrust Moves On Under Eye of Regulators - Los Angeles Business Journal](https://news.google.com/rss/articles/CBMiggFBVV95cUxOQktQMGhhNU1Dcmc2VE1hYmw3Rk8xUzJRNVJpUVJ3bXpjdENNc1M4NVNQV0cxQzNHTklFVlA0d3duWUFJNGM3QUdHZnJHS0VkQmRJZnFxZVVNcmNCTURCY1BQUjdsc01ROWgtT2NPMVRDdGxCcFBTOUhxZWtWaWhzUXN3?oc=5) · Los Angeles Business Journal
- 2017-05-22 [Citigroup to pay nearly $100 million to settle Banamex money-laundering claims - Los Angeles Times](https://news.google.com/rss/articles/CBMigwFBVV95cUxPVmdTSE1sSExGeU1DUFRycDFhblBQcTFJZ3g1ZG5pcTFFd0pNNWpucHl0RzNsaVdPLTZDeTlSb1RTV3ZUQkFMZk1mN2dVOV9FY1NfbUpGUjNqZmtadmljRjRGN3o1NEdlajM0N2QtWU05QVVfVlZyRjRjTnBSaFJmNl8wOA?oc=5) · Los Angeles Times

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18923 (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/43.json (key "18923", 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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