# CITIZENS BANK OF NORTHERN CA
NEVADA CITY, CA · FDIC certificate 33983 · asset band <$300M · latest filing 2011-06 · FAILED

**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 | $288.8M | |
| Deposits | $253.1M | |
| Loans and leases | $228.3M | |
| Total equity | $11.3M | |
| Loans / deposits | 84.76% (p77 of band) | 71.80% |
| Liquid assets / assets | 16.27% (p11 of band) | |
| Uninsured deposits / deposits | 3.52% (p21 of band) | 7.92% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 7.62% (p73 of band) | |
| FHLB advances / assets | 7.62% | |
| Tier 1 leverage | 3.74% (p2 of band) | 9.80% |
| Unrealized securities loss / equity | -0.23% (p8 of band) | 2.62% |
| AOCI / equity | 0.22% (p29 of band) | |
| ROA (annualized) | -3.09% (p3 of band) | 0.68% |
| Net interest margin | 4.64% (p88 of band) | 3.84% |
| Efficiency ratio | 98.86% (p88 of band) | |
| Noncurrent loans | 11.70% (p97 of band) | 1.53% |
| Net charge-offs (annualized) | 3.60% (p99 of band) | |
| Reserve coverage of noncurrent | 51.61% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 183.29% (p98 of band) | |
| Auto loans | $115,000 (0.05% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $229,000 (2% of equity) (p97 of band) | |
| Deposits YoY | – | |
| Employees | 73 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **losing money** (`earn_negative`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 8 | leverage <7%, leverage <5%, losing money, noncurrent p90, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 8 |  |  |

## 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=33983 (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/63.json (key "33983", 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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