# ING BANK FSB
WILMINGTON, DE · FDIC certificate 35489 · asset band $10-100B · latest filing 2012-09 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $97.53B | |
| Deposits | $86.78B | |
| Loans and leases | $37.01B | |
| Total equity | $9.95B | |
| Loans / deposits | 42.62% (p7 of band) | 83.93% |
| Liquid assets / assets | 58.97% (p93 of band) | |
| Uninsured deposits / deposits | 3.64% (p10 of band) | 18.35% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p2 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.39% (p51 of band) | 9.39% |
| Unrealized securities loss / equity | 3.29% (p55 of band) | 3.01% |
| AOCI / equity | 2.03% (p91 of band) | |
| ROA (annualized) | 0.31% (p10 of band) | 0.96% |
| Net interest margin | 1.09% (p4 of band) | 3.51% |
| Efficiency ratio | 52.23% (p36 of band) | |
| Noncurrent loans | 1.39% (p38 of band) | 1.67% |
| Net charge-offs (annualized) | 0.01% (p12 of band) | |
| Reserve coverage of noncurrent | 4.62% | |
| Real estate % of loans | 100% | |
| Construction % of loans | 0.00% (p10 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p25 of band) | |
| Deposits YoY | 5.4% | |
| Employees | 2342 | |

## Flags firing in the latest filing

- **NIM <2.5%** (`earn_nim`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | NIM <2.5%, reserve under noncurrent |  |
| 2011-06 | 3 | losing money |  |
| 2011-09 | 2 |  | losing money |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 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=35489 (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/33.json (key "35489", 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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