# ICE US TRUST LLC
NEW YORK, NY · FDIC certificate 58977 · asset band $1-10B · latest filing 2011-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. 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 | $9.60B | |
| Deposits | $0 | |
| Loans and leases | $0 | |
| Total equity | $68.6M | |
| Loans / deposits | 0.00% (p1 of band) | 79.44% |
| Liquid assets / assets | 99.89% (p100 of band) | |
| Uninsured deposits / deposits | – | 17.54% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p2 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 0.79% (p2 of band) | 9.28% |
| Unrealized securities loss / equity | 0.00% (p14 of band) | 2.76% |
| AOCI / equity | 0.00% (p11 of band) | |
| ROA (annualized) | 0.05% (p15 of band) | 0.72% |
| Net interest margin | 0.00% (p1 of band) | 3.67% |
| Efficiency ratio | 91.02% (p93 of band) | |
| Noncurrent loans | 0.00% (p1 of band) | 2.56% |
| Net charge-offs (annualized) | 0.00% (p7 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | – | |
| Construction % of loans | 0.00% (p3 of band) | |
| Auto loans | $0 (– of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p41 of band) | |
| Deposits YoY | – | |
| Employees | 41 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | leverage <7%, leverage <5%, expense ratio p90, NIM <2.5% |  |
| 2011-06 | 5 |  |  |

## 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=58977 (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 "58977", 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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