# U S BANK NATIONAL ASSN ND
FARGO, ND · FDIC certificate 34590 · asset band $1-10B · latest filing 2013-03 · 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 | $6.36B | |
| Deposits | $45.9M | |
| Loans and leases | $6.23B | |
| Total equity | $973.8M | |
| Loans / deposits | 13158.95% (p100 of band) | 77.83% |
| Liquid assets / assets | 0.23% (p0 of band) | |
| Uninsured deposits / deposits | 14.20% (p31 of band) | 20.86% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 75.16% (p98 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 15.50% (p95 of band) | 9.62% |
| Unrealized securities loss / equity | 0.00% (p9 of band) | 3.09% |
| AOCI / equity | 0.00% (p80 of band) | |
| ROA (annualized) | 2.22% (p95 of band) | 0.87% |
| Net interest margin | 4.53% (p90 of band) | 3.49% |
| Efficiency ratio | 50.95% (p13 of band) | |
| Noncurrent loans | 1.16% (p38 of band) | 1.52% |
| Net charge-offs (annualized) | 1.30% (p98 of band) | |
| Reserve coverage of noncurrent | 270.83% | |
| Real estate % of loans | 31% | |
| Construction % of loans | 0.07% (p6 of band) | |
| Auto loans | $55.0M (0.88% of loans; DQ 0.34%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p38 of band) | |
| Deposits YoY | -5.8% | |
| Employees | 868 | |

## 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`)
- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | loans exceed deposits, wholesale funding >15%, liquid assets <10%, charge-offs p90 |  |
| 2011-06 | 4 |  |  |
| 2011-09 | 4 |  |  |
| 2011-12 | 4 |  |  |
| 2012-03 | 5 | uninsured deposits leaving |  |
| 2012-06 | 4 |  | uninsured deposits leaving |
| 2012-09 | 4 |  |  |
| 2012-12 | 4 |  |  |
| 2013-03 | 5 | deposits 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=34590 (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/30.json (key "34590", 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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