# NORTHLAND NATIONAL BANK
GLADSTONE, MO · FDIC certificate 26890 · asset band <$300M · latest filing 2012-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 8 (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 | $34.5M | |
| Deposits | $30.7M | |
| Loans and leases | $19.9M | |
| Total equity | $3.1M | |
| Loans / deposits | 63.49% (p41 of band) | 68.02% |
| Liquid assets / assets | 39.48% (p58 of band) | |
| Uninsured deposits / deposits | 1.22% (p5 of band) | 8.86% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.82% (p51 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.34% (p17 of band) | 10.05% |
| Unrealized securities loss / equity | 5.75% (p68 of band) | 3.01% |
| AOCI / equity | -1.92% (p5 of band) | |
| ROA (annualized) | -2.48% (p2 of band) | 0.76% |
| Net interest margin | 3.08% (p18 of band) | 3.75% |
| Efficiency ratio | 151.90% (p98 of band) | |
| Noncurrent loans | 0.38% (p27 of band) | 1.21% |
| Net charge-offs (annualized) | 2.09% (p98 of band) | |
| Reserve coverage of noncurrent | 521.33% | |
| Real estate % of loans | 93% | |
| Construction % of loans | 138.94% (p98 of band) | |
| Auto loans | $66,000 (0.33% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -18.6% | |
| Employees | 10 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **charge-offs p90** (`aq_nco`)
- **construction >100% equity** (`conc_construction`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, expense ratio p90, NIM <2.5% |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 3 |  |  |
| 2011-12 | 4 | construction >100% equity |  |
| 2012-03 | 6 | charge-offs p90, reserve under noncurrent, deposits shrinking, assets shrinking | NIM <2.5%, construction >100% equity |
| 2012-06 | 5 |  | reserve under noncurrent |
| 2012-09 | 7 | capital falling, construction >100% equity |  |
| 2012-12 | 8 | uninsured deposits leaving |  |

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

- 2011-06-23 [USDOJ: US Attorney's Office - NAME OF YOUR DISTRICT HERE - Department of Justice (.gov)](https://news.google.com/rss/articles/CBMidkFVX3lxTFBaQ3RmX3ZGTk5DbGRZbFpSdnFoREY3SjM0elRMUmlBN04tekR4LXN4cVR1aUVoVzZ1WlJETVpmSXJobnl1Zk5IYVJGNTdZMG5NNlc3dXRYa19FWHloMzN1Y0M2RTlqbXUwdTJTNlRuXy1UcmRZNGc?oc=5) · Department of Justice (.gov)
- 2018-10-10 [FTC’s $110M lawsuit involving sweepstakes no one ever won now includes KC founder - kansascity.com](https://news.google.com/rss/articles/CBMib0FVX3lxTFBIUTFpd1ZLZDMwV0xFaktpRHdmLXMxTWJTay03eGVSWVpNS0lvVnltbkE0eVZxeUR3ZWo1YUZzZWFYVmpZOFN4bjZhTTNsMHJXWEE5aDJwNHZMdTdmbkt1VFhDRGMxQm4ySWthSDBNONIBb0FVX3lxTFBJQjdkTGJ4VXhYLXFzTi1jTkJ4M3lucEswWWVtTE5fcXFXSE1ERE04ci1WODJ1ZjREbHo3MW5kei1kd1dGNmtTdXhJUlk1UEFaWXk3ZXMwR2VKLWl0RVNHaXB1Q1I1MGJweGhHNy1LOA?oc=5) · kansascity.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=26890 (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/10.json (key "26890", 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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