# CITIBANK SOUTH DAKOTA N A
SIOUX FALLS, SD · FDIC certificate 23360 · asset band >$100B · latest filing 2011-06 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $119.84B | |
| Deposits | $920.9M | |
| Loans and leases | $116.54B | |
| Total equity | $25.97B | |
| Loans / deposits | 11364.43% (p100 of band) | 79.98% |
| Liquid assets / assets | 1.15% (p5 of band) | |
| Uninsured deposits / deposits | 36.94% (p89 of band) | 20.41% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 73.56% (p100 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 16.68% (p100 of band) | 8.66% |
| Unrealized securities loss / equity | 0.01% (p11 of band) | 1.65% |
| AOCI / equity | 0.08% (p16 of band) | |
| ROA (annualized) | 3.38% (p89 of band) | 0.69% |
| Net interest margin | 12.20% (p100 of band) | 3.61% |
| Efficiency ratio | 31.41% (p11 of band) | |
| Noncurrent loans | 1.91% (p21 of band) | 3.12% |
| Net charge-offs (annualized) | 6.85% (p100 of band) | |
| Reserve coverage of noncurrent | 533.41% | |
| Real estate % of loans | 0% | |
| Construction % of loans | 0.00% (p11 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p11 of band) | |
| Deposits YoY | – | |
| Employees | 20702 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)
- **liquid assets <10%** (`liq_thin`)
- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | loans exceed deposits, brokered >10%, wholesale funding >15%, liquid assets <10%, charge-offs p90 |  |
| 2011-06 | 4 |  | brokered >10% |

## 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=23360 (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/0.json (key "23360", 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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