# NORTHERN TRUST BANK FSB
BLOOMFIELD HILLS, MI · FDIC certificate 34835 · asset band $1-10B · latest filing 2011-09 · stopped filing (departed)

**Verdict on the desk:** this could be *run candidate*. 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 | $1.61B | |
| Deposits | $1.29B | |
| Loans and leases | $1.35B | |
| Total equity | $169.3M | |
| Loans / deposits | 103.33% (p92 of band) | 78.45% |
| Liquid assets / assets | 11.05% (p5 of band) | |
| Uninsured deposits / deposits | 69.53% (p99 of band) | 17.60% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 6.96% (p39 of band) | |
| FHLB advances / assets | 1.24% | |
| Tier 1 leverage | 9.58% (p54 of band) | 9.43% |
| Unrealized securities loss / equity | -0.62% (p10 of band) | 4.11% |
| AOCI / equity | 0.00% (p17 of band) | |
| ROA (annualized) | 0.63% (p39 of band) | 0.76% |
| Net interest margin | 2.61% (p11 of band) | 3.68% |
| Efficiency ratio | 75.95% (p77 of band) | |
| Noncurrent loans | 0.83% (p17 of band) | 2.39% |
| Net charge-offs (annualized) | 0.24% (p38 of band) | |
| Reserve coverage of noncurrent | 144.62% | |
| Real estate % of loans | 60% | |
| Construction % of loans | 35.81% (p50 of band) | |
| Auto loans | $294,000 (0.02% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (– of equity) | |
| Deposits YoY | – | |
| Employees | 241 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **uninsured deposits >50%** (`liq_uninsured`)
- **run vulnerability** (`liq_runrisk`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | loans exceed deposits, uninsured deposits >50%, liquid assets <10%, run vulnerability |  |
| 2011-06 | 5 | reserve under noncurrent |  |
| 2011-09 | 3 |  | liquid assets <10%, reserve under noncurrent |

## 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=34835 (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/19.json (key "34835", 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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