# INTERNATIONAL CITY BANK FSB
LONG BEACH, CA · FDIC certificate 25648 · asset band $300M-1B · latest filing 2021-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $513.0M | |
| Deposits | $311.6M | |
| Loans and leases | $174.7M | |
| Total equity | $72.0M | |
| Loans / deposits | 55.46% (p21 of band) | 70.11% |
| Liquid assets / assets | 49.20% (p82 of band) | |
| Uninsured deposits / deposits | 59.01% (p97 of band) | 26.09% |
| Brokered deposits | 8.77% | |
| Wholesale funding | 30.56% (p99 of band) | |
| FHLB advances / assets | 19.85% | |
| Tier 1 leverage | 9.00% (p31 of band) | 9.79% |
| Unrealized securities loss / equity | 23.05% (p100 of band) | 0.82% |
| AOCI / equity | 0.51% (p98 of band) | |
| ROA (annualized) | 2.13% (p92 of band) | 1.18% |
| Net interest margin | 2.87% (p22 of band) | 3.35% |
| Efficiency ratio | 50.19% (p15 of band) | |
| Noncurrent loans | 0.00% (p5 of band) | 0.36% |
| Net charge-offs (annualized) | -0.01% (p21 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 89% | |
| Construction % of loans | 1.46% (p5 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -0.5% | |
| Employees | 43 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | losing money, expense ratio p90, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 4 |  |  |
| 2011-09 | 4 |  |  |
| 2011-12 | 5 | wholesale funding >15% |  |
| 2012-03 | 5 | deposits shrinking, assets shrinking | losing money, expense ratio p90 |
| 2012-06 | 6 | uninsured deposits leaving |  |
| 2012-09 | 4 |  | wholesale funding >15%, uninsured deposits leaving |
| 2012-12 | 5 | uninsured deposits leaving |  |
| 2013-03 | 3 |  | assets shrinking, uninsured deposits leaving |
| 2013-06 | 2 |  | deposits shrinking |
| 2013-09 | 3 | assets shrinking |  |
| 2013-12 | 2 |  | assets shrinking |
| 2014-03 | 3 | assets shrinking |  |
| 2014-06 | 1 |  | noncurrent p90, assets shrinking |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | wholesale funding >15%, uninsured deposits leaving | reserve under noncurrent |
| 2015-06 | 0 |  | wholesale funding >15%, uninsured deposits leaving |
| 2015-09 | 2 | wholesale funding >15%, deposits shrinking |  |
| 2015-12 | 0 |  | wholesale funding >15%, deposits shrinking |
| 2016-03 | 2 | wholesale funding >15%, capital falling |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 0 |  | wholesale funding >15%, capital falling |
| 2017-06 | 1 | uninsured deposits >50% |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | capital falling |  |
| 2018-03 | 1 |  | capital falling |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | capital falling |  |
| 2019-03 | 4 | wholesale funding >15%, expense ratio p90, NIM <2.5% | capital falling |
| 2019-06 | 2 |  | wholesale funding >15%, expense ratio p90 |
| 2019-09 | 5 | wholesale funding >15%, losing money, expense ratio p90 |  |
| 2019-12 | 5 | capital falling | losing money |
| 2020-03 | 5 | losing money | expense ratio p90 |
| 2020-06 | 5 | expense ratio p90 | NIM <2.5% |
| 2020-09 | 4 |  | capital falling |
| 2020-12 | 3 |  | losing money |
| 2021-03 | 2 |  | expense ratio p90 |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |

## 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=25648 (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/48.json (key "25648", 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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