Northland National Bank in Gladstone, Missouri (MO), KS



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Northland National Bank
GeneralFDIC Certificate #: 26890
Status: Active
Federal Reserve ID: 708052
Date Established: January 28, 1987
WWW: http://www.northlandnationalbank.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 2 (Domestic: 2, Interstate: Yes)
FDIC's unique #: 36212
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: No
Subchapter S Corporations: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: January 28, 1987
Last Structure Change Effective Date: March 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
LocationAddress: 99 N.E. 72nd Street, Gladstone, MO 64118
County: Clay
Quarterly Banking Profile Region: Kansas City
FDIC Geographic Region: Kansas City
FDIC Supervisory Region: Kansas City
FDIC Field Office: Kansas City
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: West
Metropolitan Statistical Area (MSA): Kansas City, MO-KS (#3760)
Combined Statistical Area (CSA): Kansas City-Overland Park-Kansas City, MO-KS (#312)
Core Based Statistical Area (CBSA): Kansas City, MO-KS (#28140)
CBSA Metro Statistical Area: Kansas City, MO-KS (#28140)
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $42.3 mil
Equity capital: $4.5 mil
Deposits held in domestic offices: $37.7 mil
Return on assets (ROA): -1.99% (-$0.8 mil)
Quarterly return on assets: -1.27% (-$0.5 mil)
Return on Equity (ROE): -19.32% (-$0.8 mil)
Quarterly return on equity: -12.13% (-$0.5 mil)
Net income: -$0.9 mil
Quarterly Net income: -$0.1 mil
Pretax return on assets: -1.99% (-$842.1 mil)
Quarterly Pretax return on assets: -1.27% (-$537.5 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)
(Dollar figures in thousands)
Total employees (full-time equivalent)15
Total assets$42,319
Cash and due from depository institutions$5,948
Interest-bearing balances$5,450
Securities$11,102
Federal funds sold & reverse repurchase agreements$336
Net loans & leases$23,296
Loan loss allowance $856
Trading account assets$0
Bank premises and fixed assets$627
Other real estate owned$212
Goodwill and other intangibles$325
All other assets$473
Life insurance assets$42,319
Total liabilities and capital$37,857
Total liabilities$37,702
Total deposits$30,353
Interest-bearing deposits$37,702
Deposits held in domestic offices$94
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$9
Other borrowed funds $0
Subordinated debt $146
All other liabilities $4,462
Total equity capital$4,462
Total bank equity capital$4,462
Perpetual preferred stock$0
Common stock$3,110
Surplus$3,584
Undivided profits $-2,232
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $782
Earning assets $0
Long-term assets (5+ years) $156
Average Assets, year-to-date $40,184
Average Assets, quarterly $1,824
Volatile liabilities $46,363
Insider loans $43,382
FHLB advances $25,498
Loans and leases held for sale $42,277
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $3,897
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $3,433
Derivatives$75
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $1,782
Total interest expense $785
Net interest income $997
Provision for loan and lease losses -$95
Total noninterest income $160
Fiduciary activities $0
Service charges on deposit accounts $140
Trading account gains & fees $0
Additional noninterest income $20
Total noninterest expense $2,175
Salaries and employee benefits $1,123
Premises and equipment expense $142
Additional noninterest expense $910
Pre-tax net operating income -$923
Securities gains (losses) $0
Applicable income taxes $0
Income before extraordinary items -$923
Extraordinary gains - net $0
Net income attributable to bank -$923
Net charge-offs $0
Cash dividends -$923
Sale, conversion, retirement of capital stock, net -$19
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.08%
Cost of funding earning assets 1.80%
Net interest margin 2.28%
Noninterest income to earning assets 0.37%
Noninterest expense to earning assets 4.98%
Net operating income to assets -1.99%
Return on assets (ROA) -1.99%
Pretax return on assets -1.99%
Return on equity (ROE) -19.32%
Retained earnings to average equity (YTD only) -19.32%
Net charge-offs to loans -0.08%
Credit loss provision to net charge-offs 500.00%
Efficiency ratio0.00%
Assets per employee$187,986
Cash dividends to net income (YTD only)2.82%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 3.54%
Noncurrent assets plus other real estate owned to assets 109.46%
Noncurrent loans to loans 2.35%
Net loans and leases to deposits3.24%
Net loans and leases to core deposits 61.79%
Equity capital to assets 67.85%
Core capital (leverage) ratio 10.54%
Tier 1 risk-based capital ratio 9.22%
Total risk-based capital ratio 15.28%
Memoranda
Average assets$17
Average earning assets$46,363
Average equity $4,778
Average loans $43,701
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1 Kansas Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
1462651Merriam Branch10000 W. 75th Street, Suite 200, Overland Park, KS 66204March 30, 2007Full Service Brick and Mortar
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1 Missouri Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
036212Northland National Bank99 N.E. 72nd Street, Gladstone, MO 64118January 28, 1987Full Service Brick and Mortar
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