# NORTHERN TRUST NATIONAL ASSN
MIAMI, FL · FDIC certificate 24185 · asset band $10-100B · latest filing 2011-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 3 (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 | $16.10B | |
| Deposits | $13.73B | |
| Loans and leases | $10.95B | |
| Total equity | $1.43B | |
| Loans / deposits | 78.89% (p40 of band) | 84.44% |
| Liquid assets / assets | 30.33% (p60 of band) | |
| Uninsured deposits / deposits | 66.69% (p96 of band) | 17.95% |
| Brokered deposits | 0.01% | |
| Wholesale funding | 5.09% (p23 of band) | |
| FHLB advances / assets | 4.66% | |
| Tier 1 leverage | 9.73% (p53 of band) | 9.69% |
| Unrealized securities loss / equity | 0.05% (p20 of band) | 2.65% |
| AOCI / equity | 0.00% (p31 of band) | |
| ROA (annualized) | 0.93% (p53 of band) | 0.90% |
| Net interest margin | 2.52% (p20 of band) | 3.62% |
| Efficiency ratio | 52.42% (p38 of band) | |
| Noncurrent loans | 1.62% (p32 of band) | 2.47% |
| Net charge-offs (annualized) | 0.46% (p47 of band) | |
| Reserve coverage of noncurrent | 66.42% | |
| Real estate % of loans | 76% | |
| Construction % of loans | 27.94% (p72 of band) | |
| Auto loans | $1.4M (0.01% of loans; DQ 2.40%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p23 of band) | |
| Deposits YoY | – | |
| Employees | 1471 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **capital falling** (`cap_falling`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | loans exceed deposits, uninsured deposits >50%, run vulnerability, reserve under noncurrent |  |
| 2011-06 | 4 |  |  |
| 2011-09 | 3 | capital falling | loans exceed deposits, run vulnerability |

## 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=24185 (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/57.json (key "24185", 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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