# BANK OF GLEN ULLIN
GLEN ULLIN, ND · FDIC certificate 16527 · asset band <$300M · latest filing 2020-09 · stopped filing (departed)

**Verdict on the desk:** this could be *fortress*. Composite score 0 (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 | $65.8M | |
| Deposits | $58.0M | |
| Loans and leases | $54.5M | |
| Total equity | $7.7M | |
| Loans / deposits | 93.20% (p86 of band) | 72.51% |
| Liquid assets / assets | 13.54% (p6 of band) | |
| Uninsured deposits / deposits | 18.23% (p53 of band) | 17.44% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p20 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.64% (p47 of band) | 10.85% |
| Unrealized securities loss / equity | 3.09% (p55 of band) | 2.55% |
| AOCI / equity | -0.01% (p5 of band) | |
| ROA (annualized) | 2.62% (p97 of band) | 0.95% |
| Net interest margin | 4.92% (p97 of band) | 3.57% |
| Efficiency ratio | 43.66% (p3 of band) | |
| Noncurrent loans | 0.00% (p9 of band) | 0.49% |
| Net charge-offs (annualized) | 0.00% (p35 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 56% | |
| Construction % of loans | 0.81% (p19 of band) | |
| Auto loans | $345,000 (0.63% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 16.2% | |
| Employees | 9 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 3 | loans exceed deposits, liquid assets <10% |  |
| 2011-09 | 4 | wholesale funding >15% |  |
| 2011-12 | 1 |  | loans exceed deposits, liquid assets <10%, wholesale funding >15% |
| 2012-03 | 0 |  | reserve under noncurrent |
| 2012-06 | 3 | loans exceed deposits, wholesale funding >15%, liquid assets <10% |  |
| 2012-09 | 3 |  |  |
| 2012-12 | 2 |  | wholesale funding >15% |
| 2013-03 | 2 |  |  |
| 2013-06 | 3 | wholesale funding >15% |  |
| 2013-09 | 3 |  |  |
| 2013-12 | 3 | capital falling | wholesale funding >15% |
| 2014-03 | 3 | uninsured deposits leaving | capital falling |
| 2014-06 | 3 | wholesale funding >15% | uninsured deposits leaving |
| 2014-09 | 6 | brokered >10%, capital falling, reserve under noncurrent |  |
| 2014-12 | 4 |  | brokered >10%, capital falling |
| 2015-03 | 4 | brokered >10% | wholesale funding >15% |
| 2015-06 | 4 | wholesale funding >15% | reserve under noncurrent |
| 2015-09 | 5 | capital falling |  |
| 2015-12 | 3 |  | brokered >10%, capital falling |
| 2016-03 | 6 | brokered >10%, reserve under noncurrent, uninsured deposits leaving |  |
| 2016-06 | 6 |  |  |
| 2016-09 | 8 | noncurrent p90, deposits shrinking |  |
| 2016-12 | 8 |  |  |
| 2017-03 | 6 |  | uninsured deposits leaving, deposits shrinking |
| 2017-06 | 6 |  |  |
| 2017-09 | 5 |  | brokered >10% |
| 2017-12 | 4 |  | wholesale funding >15% |
| 2018-03 | 6 | deposits shrinking, assets shrinking |  |
| 2018-06 | 2 |  | reserve under noncurrent, noncurrent p90, deposits shrinking, assets shrinking |
| 2018-09 | 5 | capital falling, noncurrent p90, reserve under noncurrent |  |
| 2018-12 | 3 | uninsured deposits leaving | capital falling, noncurrent p90, reserve under noncurrent |
| 2019-03 | 4 | charge-offs p90 |  |
| 2019-06 | 4 | wholesale funding >15%, capital falling | liquid assets <10%, charge-offs p90 |
| 2019-09 | 5 | reserve under noncurrent |  |
| 2019-12 | 5 | noncurrent p90 | capital falling |
| 2020-03 | 2 |  | uninsured deposits leaving, wholesale funding >15%, noncurrent p90 |
| 2020-06 | 2 |  |  |
| 2020-09 | 0 |  | loans exceed deposits, reserve under noncurrent |

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

- 2022-05-12 [Ida Richter Obituary Jun 11, 2009 - Stevenson Funeral Homes](https://news.google.com/rss/articles/CBMia0FVX3lxTE1QV3R1WDViaWlhZlhQdi1hX3k2Zl9yZkFNRHRjQW9rZDJVOHV0X2FfR1lLXzlSQzU5aEw4bXB3U1FWc2k0bWs0cEdyYks4cDhJc3ktcFpIemhwTEFyMVVrYkcyNWVwQ1R6T1U0?oc=5) · Stevenson Funeral Homes
- 2023-08-09 [Jolene Muscha Obituary Aug 9, 2023 - eastgatefuneral.com](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE9ncHZBNHM5TmdwOU5IUFZqRjJuV3lUWFRnQm5RVHRLaGhFRUhSY0JpQ3Rsc1FKaGRoQ2tEbXVibEhET3FjeWVUS2E1V3lEbzBuUWpvY1FSMWFCWnJBTEhHVVNjdGdTYTQ?oc=5) · eastgatefuneral.com
- 2024-06-05 [Lynette Fitterer Obituary (1964 - 2024) - Glen Ullin, ND - The Bismarck Tribune - Legacy obituary](https://news.google.com/rss/articles/CBMimwFBVV95cUxQbnNVbHNFTDBrZWplZGdlR1lMOEZraEhPZ0dHdUI2a3lWZlI3aDJ5VzNBY3lxMC1hOFd0emM3bXQ3V0ZEaXZsSm5mSkZGUEtEQ1kzMnlIVFMzUmY5SXNoeDlEaVdUMGhRc1p3V1pFSlhpbkZBUl9ERGNtb1JlX2R5d0EyeHdxSkQyelQ5YmxOUUNhaEFMRGlQUmVUbw?oc=5) · Legacy obituary
- 2022-05-11 [Michael Halpern Obituary Dec 29, 2008 - Stevenson Funeral Homes](https://news.google.com/rss/articles/CBMicEFVX3lxTFBuLUZLWXZtYnc4NXVCUmk1T1BuRldNa0VtU2N5c1poNlYtdUxmcDhPdUlnSHlVZE9hOG84YnBNMkh2LVFxZGRkREtDQ2xVM0VVN0twZnFodngxWHdzRy1tQktOV0ZFTVFLbDdDVWFONTQ?oc=5) · Stevenson Funeral Homes
- 2022-10-16 [Janell Hellman Obituary Jul 3, 2010 - Stevenson Funeral Homes](https://news.google.com/rss/articles/CBMib0FVX3lxTFBOX2UwTUp0aWVPZVhzaVBJcDBKQzRQRWZncW1RWkRmQ2xSZW92czJ2akMtb2F4bGZTU3ktSmtFNHROcDU4eF9hMGdPaEhVQmRsRGgyb2w2all4VnpYdGxlMS1zNDdYclI2V0xHMkkybw?oc=5) · Stevenson Funeral Homes
- 2016-01-31 [August Draeb Obituary (2016) - Bismarck, ND - The Bismarck Tribune - Legacy obituary](https://news.google.com/rss/articles/CBMilgFBVV95cUxOTG5PdGdUTkJIRDE4MWZFTTZ3SUh5NjJLNWFhbnJyc0pJZVNrS2Y2Uk02WGpZRmhZdG8zM09iRHV5NWlqZ2R3c1RqSGlpc3B5Yk9JUUZVQVNwZEs1VTEzcjR3LW5fVGYyU2ZfMUhMNk5IS01QN2RWZ1dKOTdsZUJHQjJ0NmFJWXVaWWt3WF9GeFZkZHc4MkE?oc=5) · Legacy obituary
- 2022-05-06 [Alice Muggli Obituary May 6, 2022 - Stevenson Funeral Homes](https://news.google.com/rss/articles/CBMibEFVX3lxTE82T19LdTVHQmVSMlRCN2NBT2Fwa3pyVnJMRFdEdTQwaTdtbDFVSEIwQUJ6WndWbFJZQnlPd0xjMkNrM0I1Y0xHSXJMUmREaEVWdjllYUxXb0RWWjNTR01Xa1piQk9mMFZRVi1iZg?oc=5) · Stevenson Funeral Homes
- 2020-03-23 [Pauline Hellman Obituary Mar 23, 2020 - Stevenson Funeral Homes](https://news.google.com/rss/articles/CBMicEFVX3lxTFBJRkRDLW9USnV4QnM4UkVHN2JpTE8xbW80OWRUTHE4eHZhb1hrTjhfaGdjLVowOUxNRVNmcU81cGJSRlBvTGk1NENMeS1FejI3dF8zazNWZFBhbHRPYThxSURpbi1wc2JBRGxIS1Q0bms?oc=5) · Stevenson Funeral Homes

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16527 (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/15.json (key "16527", 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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