# GE CAPITAL BANK
SALT LAKE CITY, UT · FDIC certificate 33778 · asset band $10-100B · latest filing 2016-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 7 (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 | $21.08B | |
| Deposits | $16.77B | |
| Loans and leases | $35.8M | |
| Total equity | $3.78B | |
| Loans / deposits | 0.21% (p1 of band) | 88.12% |
| Liquid assets / assets | 99.49% (p100 of band) | |
| Uninsured deposits / deposits | 7.20% (p14 of band) | 33.38% |
| Brokered deposits | 36.79% | |
| Wholesale funding | 37.23% (p90 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 17.61% (p99 of band) | 9.40% |
| Unrealized securities loss / equity | 0.00% (p12 of band) | 1.64% |
| AOCI / equity | 0.00% (p15 of band) | |
| ROA (annualized) | -0.01% (p2 of band) | 0.91% |
| Net interest margin | 0.06% (p5 of band) | 3.15% |
| Efficiency ratio | 0.00% (p3 of band) | |
| Noncurrent loans | 0.00% (p1 of band) | 0.83% |
| Net charge-offs (annualized) | 0.00% (p20 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 0% | |
| Construction % of loans | 0.00% (p8 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p18 of band) | |
| Deposits YoY | -12.0% | |
| Employees | 127 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **losing money** (`earn_negative`)
- **NIM <2.5%** (`earn_nim`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | loans exceed deposits, brokered >10%, wholesale funding >15% |  |
| 2011-06 | 4 | liquid assets <10% |  |
| 2011-09 | 5 | capital falling |  |
| 2011-12 | 3 |  | loans exceed deposits, liquid assets <10% |
| 2012-03 | 5 | loans exceed deposits, reserve under noncurrent |  |
| 2012-06 | 5 | liquid assets <10% | capital falling |
| 2012-09 | 3 |  | loans exceed deposits, liquid assets <10% |
| 2012-12 | 4 | loans exceed deposits, liquid assets <10% | reserve under noncurrent |
| 2013-03 | 4 |  |  |
| 2013-06 | 4 |  |  |
| 2013-09 | 2 |  | loans exceed deposits, liquid assets <10% |
| 2013-12 | 3 | capital falling |  |
| 2014-03 | 3 |  |  |
| 2014-06 | 2 |  | capital falling |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 6 | capital falling, losing money, expense ratio p90, reserve under noncurrent |  |
| 2015-09 | 5 |  | capital falling |
| 2015-12 | 7 | NIM <2.5%, deposits shrinking, assets shrinking | expense ratio p90 |
| 2016-03 | 7 | uninsured deposits leaving | reserve under noncurrent |

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

- 2013-11-06 [GE Capital Retail Bank's Optimizer+plus Named "Best 12-month CD" by MONEY® Magazine - General Electric](https://news.google.com/rss/articles/CBMivAFBVV95cUxNRVJJYWlta3I0dE83V3ZzVHlhT1FtSHdaM0IzLTQ4emZITnhZeGFMYVRqTzBab3Vqc0RjWGRTa0dsZHZhczZYV09nUGdtQzB3VUtPVjdUUUJPR3JkdEljempzc2VYVlhzQmJGMzFGYzVobTBHLUdoX3M0ZmJsM0N5YVRjdjNNRF9rbFNOUWpsMkNDQVA2NFJPNHRrWnRadzNUbTBTM0lSX2lvSENINXFXdk5wYUdHaExWVl82ZQ?oc=5) · General Electric
- 2015-08-13 [General Electric Sells GE Capital Bank’s Online Platform to Goldman Sachs - WSJ](https://news.google.com/rss/articles/CBMisgFBVV95cUxOQVZiR0FLcWhNN3VSTmdWUjQyMWZoS3pSNjFybU1DcERVRFI4dExGemcxcVd6ZzRWUnhyR25RQkVhekNZTFdjQTlxbWRFbUE5dHE5LUdtcmRzQU9jaDFkY0RoakdVQWRFYXBxdWdOeE01cmo0UDFuQnN3LWVhRUxUQ3pRYUpDUlFtRkJkOHhjYzAxanNBV252dHdFVXBiRnhOeVV0REcwVXU0eUl4SVc2ODdn?oc=5) · WSJ
- 2015-08-13 [GE sells off online bank to Goldman Sachs - Stamford Advocate](https://news.google.com/rss/articles/CBMipgFBVV95cUxQazN3MUh1cUdfVE5xSGtHOTBmcGxkcF9RZWV4Yy1wdGNLRkppdjFVMl9HQkRrYVNMODFNNGR1Qk5TelVUM245Z0N0eXFONi1ZZXRud3QxaWFySTJEZ0Z3MHRpMWREbEswSGRtUXZSMkZDeVZuTTY5Mnh0UFpfOE1meHFyYmZabzAxMzd3UHUyQTRpblVPQm5EelpvVGFJeTA2TGVGT21B?oc=5) · Stamford Advocate
- 2015-08-13 [Goldman Sachs buying GE unit's online deposit platform - CNBC](https://news.google.com/rss/articles/CBMimwFBVV95cUxQNXlWMEFaMi0yVWlXYVQxVkVxSmdIc0Y0dmp2Sm5GNnFtWlo5aWFEQS01eFpweDh4STJ2MkhiOHJlRy11T05oWFpaS29xLVF3UHpBZHVJU3BNZzdjekxGd2d5VnFyUHpfcE5NMlRTNFpPNDNVUVNOemNmUG93R3c0a3hWZnRSUXk1Q21tYWxNc3BLMzlOcGpNNUk0SdIBoAFBVV95cUxNdnBzdng3ZHZTcjRsLVgwNGpqSWV5Snp0ODFnNjZfaFFSZGd4RmsyMFJMTGlMZk9yd241bzRON3RMTzB6RW9rbDg1UEJody1CMEl5T3gyM1VRSUJZS1V0eGxidC1kbzh1UTRocHE3TDlvYzJFNmtoazRWSEtlNVFwSVVzTzZRZjM1STc1bk9mM3FZUkxvZ0VWSFRtc0dVRVJI?oc=5) · CNBC
- 2021-12-04 [TCPA Class Action Lawsuit Filed Against GE Capital Bank - Top Class Actions](https://news.google.com/rss/articles/CBMiuAFBVV95cUxQUVFnTzBXbUhXeFFKR2Q3N1NpX1Z2OGU0eENYNFdEOERfRWwwWmNUZ2lWdzRBLUQ5VUZlNHhNSDNRRlZ4dmU1WFpJdlhvSmJ5bUxIVGtkX3BuYWxIQm5qc29PaURpTDNnUVVEaDkzaWFSTEtYME84YWljYWYxV0MyRDdsdWtZX05QZEtZVENiQlNxU1ZxSUM3cXlZTE9EMjFCdEVkclh5dWh1QVFsRDU0Rm9Od0FQTlpt?oc=5) · Top Class Actions
- 2016-03-21 [Fed approves Goldman acquisition of GE Capital's U.S. online deposits - Reuters](https://news.google.com/rss/articles/CBMixwFBVV95cUxPZGR3bEhBNlV3S3lobFN5anlGbmZyRklyNzVBWW03YmNzcWtjUVl5Q2wxcFBCSWtweGV0NG96dVNIZk95b3JDaXlhM0ZpMzhIcU9LSWdENHc2d3M1eEhRWTlLVktFZjRNQy1XUmlKNzR5ZG02MVk5YW5USmpBcVNkSlFnbWwtNVV6V1QzY0lqRTdsSTVKdFhadGlrcE9PTEZ1dzQ3dHo3UTNwb2pBSWduQmdMSUpZZ1gwYkhiU3ltbnFCbmkyd09z?oc=5) · Reuters
- 2024-03-26 [Green Dot Appoints Robert Millard to its Board of Directors - Business Wire](https://news.google.com/rss/articles/CBMitwFBVV95cUxQXzhPbzhzUDFKc3F3Z3NKbzBiU0YwVG9MY19oUXdDLWNFelN0UXJxTWVnQXhaeGtieTNGbmlNYzU3QUV4MDk1NkhpeDlVeExhZW1aaThPSFl1QmxSZnVPM2picVZQNy1DbnI0QTRFVU5BRWF6NVZHTjhtaDRWOEZLcUNNb2lySmlhQ3BHZllPM1pSWmVDODFJYWRNRXlmX04wRXM2amQzSkxkMjlBdE55TXlteFJOY2s?oc=5) · Business Wire
- 2013-12-03 [Industrial banks fill lending gaps - Idaho Business Review](https://news.google.com/rss/articles/CBMihAFBVV95cUxPTGFDTnlhOFpJQ3ZzdjVrUncxUl9OeF9WNTAxYVdjLUo3UnBOZmpJQjJfZXB0OTQ5Z2VvLWVqVk1YTVpjRklCUHFtM3Y5cFA0WXVhMzhyOFExSmR1S21XbjdQSVRxMmJoVjh4MTU0RWs0cEVlbjFQZEw2Zk0wVjN0VUVseHQ?oc=5) · Idaho Business Review

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=33778 (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/50.json (key "33778", 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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