# UMB NATIONAL BANK OF AMERICA
SALINA, KS · FDIC certificate 4768 · asset band $300M-1B · latest filing 2012-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 4 (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 | $584.8M | |
| Deposits | $343.2M | |
| Loans and leases | $194.7M | |
| Total equity | $72.8M | |
| Loans / deposits | 56.26% (p14 of band) | 75.94% |
| Liquid assets / assets | 64.37% (p97 of band) | |
| Uninsured deposits / deposits | 25.58% (p90 of band) | 12.76% |
| Brokered deposits | 0.91% | |
| Wholesale funding | 27.27% (p97 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.09% (p58 of band) | 9.72% |
| Unrealized securities loss / equity | 13.95% (p92 of band) | 4.38% |
| AOCI / equity | 3.66% (p95 of band) | |
| ROA (annualized) | 1.10% (p70 of band) | 0.85% |
| Net interest margin | 2.21% (p3 of band) | 3.69% |
| Efficiency ratio | 49.94% (p9 of band) | |
| Noncurrent loans | 1.76% (p50 of band) | 1.75% |
| Net charge-offs (annualized) | 0.06% (p28 of band) | |
| Reserve coverage of noncurrent | 48.71% | |
| Real estate % of loans | 55% | |
| Construction % of loans | 4.79% (p11 of band) | |
| Auto loans | $767,000 (0.39% of loans; DQ 0.91%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -2.4% | |
| Employees | 77 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **NIM <2.5%** (`earn_nim`)
- **reserve under noncurrent** (`aq_reserve`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | wholesale funding >15%, NIM <2.5%, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 3 |  |  |
| 2011-12 | 3 |  |  |
| 2012-03 | 4 | deposits shrinking |  |
| 2012-06 | 5 | uninsured deposits leaving |  |
| 2012-09 | 4 | assets shrinking | deposits shrinking, uninsured deposits leaving |

## 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=4768 (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/32.json (key "4768", 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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