# CHASE BANK USA NATIONAL ASSN
WILMINGTON, DE · FDIC certificate 23702 · asset band >$100B · latest filing 2019-03 · stopped filing (departed)

**Verdict on the desk:** this could be *run candidate*. 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 | $141.37B | |
| Deposits | $54.03B | |
| Loans and leases | $103.81B | |
| Total equity | $36.96B | |
| Loans / deposits | 185.56% (p100 of band) | 83.14% |
| Liquid assets / assets | 15.66% (p3 of band) | |
| Uninsured deposits / deposits | 99.46% (p100 of band) | 43.56% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 24.37% (p77 of band) | |
| FHLB advances / assets | 9.20% | |
| Tier 1 leverage | 19.70% (p100 of band) | 9.49% |
| Unrealized securities loss / equity | 0.00% (p76 of band) | -0.59% |
| AOCI / equity | 0.00% (p6 of band) | |
| ROA (annualized) | 2.49% (p90 of band) | 1.29% |
| Net interest margin | 9.45% (p97 of band) | 3.25% |
| Efficiency ratio | 44.72% (p16 of band) | |
| Noncurrent loans | 0.93% (p68 of band) | 0.81% |
| Net charge-offs (annualized) | 2.38% (p94 of band) | |
| Reserve coverage of noncurrent | 366.15% | |
| Real estate % of loans | 0% | |
| Construction % of loans | 0.00% (p10 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $228.3M (1% of equity) (p16 of band) | |
| Deposits YoY | 27.0% | |
| Employees | 7198 | |

## 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`)
- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | loans exceed deposits, wholesale funding >15%, liquid assets <10% |  |
| 2011-06 | 5 | uninsured deposits >50%, run vulnerability |  |
| 2011-09 | 4 | charge-offs p90 | uninsured deposits >50%, run vulnerability |
| 2011-12 | 5 | capital falling |  |
| 2012-03 | 7 | uninsured deposits >50%, run vulnerability |  |
| 2012-06 | 6 |  | capital falling |
| 2012-09 | 6 |  |  |
| 2012-12 | 8 | capital falling, deposits shrinking |  |
| 2013-03 | 7 |  | capital falling |
| 2013-06 | 7 |  |  |
| 2013-09 | 6 |  | deposits shrinking |
| 2013-12 | 6 |  |  |
| 2014-03 | 5 |  | liquid assets <10% |
| 2014-06 | 5 |  |  |
| 2014-09 | 5 | capital falling | run vulnerability |
| 2014-12 | 5 | run vulnerability | capital falling |
| 2015-03 | 5 |  |  |
| 2015-06 | 4 |  | run vulnerability |
| 2015-09 | 5 | capital falling |  |
| 2015-12 | 4 |  | capital falling |
| 2016-03 | 4 |  |  |
| 2016-06 | 4 |  |  |
| 2016-09 | 9 | liquid assets <10%, run vulnerability, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2016-12 | 9 |  |  |
| 2017-03 | 8 |  | liquid assets <10% |
| 2017-06 | 8 |  |  |
| 2017-09 | 5 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2017-12 | 5 |  |  |
| 2018-03 | 5 |  |  |
| 2018-06 | 6 | liquid assets <10% |  |
| 2018-09 | 6 |  |  |
| 2018-12 | 8 | deposits shrinking, assets shrinking |  |
| 2019-03 | 5 |  | liquid assets <10%, deposits shrinking, assets shrinking |

## 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=23702 (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/22.json (key "23702", 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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