Northland National Bank in Gladstone, Missouri (MO), KS
Overview, Financial Summary, Detailed Financial Reports, Branches

Northland National Bank - Overview

  • General
  • FDIC Certificate #: 26890
    Status: Active
    Federal Reserve ID: 708052
    Date Established: January 28, 1987
    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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 15Total employees (full-time equivalent)
  • $42,319Total assets
  • $5,948Cash and due from depository institutions
  • $5,450Interest-bearing balances
  • $11,102Securities
  • $336Federal funds sold & reverse repurchase agreements
  • $23,296Net loans & leases
  • $856Loan loss allowance
  • $0Trading account assets
  • $627Bank premises and fixed assets
  • $212Other real estate owned
  • $325Goodwill and other intangibles
  • $42,319Life insurance assets
  • $473All other assets
  • $37,857Total liabilities and capital
  • $37,702Total liabilities
  • $30,353Total deposits
  • $37,702Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $9Trading liabilities
  • $0Other borrowed funds
  • $146Subordinated debt
  • $4,462All other liabilities
  • $4,462Total equity capital
  • $4,462Total bank equity capital
  • $0Perpetual preferred stock
  • $3,110Common stock
  • $3,584Surplus
  • $-2,232Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $782Income earned, not collected on loans
  • $0Earning assets
  • $156Long-term assets (5+ years)
  • $40,184Average Assets, year-to-date
  • $1,824Average Assets, quarterly
  • $46,363Volatile liabilities
  • $43,382Insider loans
  • $25,498FHLB advances
  • $42,277Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $3,897Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,433Restructured Loans and leases
  • $75Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,782Total interest income
  • $785Total interest expense
  • $997Net interest income
  • -$95Provision for loan and lease losses
  • $160Total noninterest income
  • $0Fiduciary activities
  • $140Service charges on deposit accounts
  • $0Trading account gains & fees
  • $20Additional noninterest income
  • $2,175Total noninterest expense
  • $1,123Salaries and employee benefits
  • $142Premises and equipment expense
  • $910Additional noninterest expense
  • -$923Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • -$923Income before extraordinary items
  • $0Extraordinary gains - net
  • -$923Net income attributable to bank
  • $0Net charge-offs
  • -$923Cash dividends
  • -$19Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.08%Yield on earning assets
  • 1.80%Cost of funding earning assets
  • 2.28%Net interest margin
  • 0.37%Noninterest income to earning assets
  • 4.98%Noninterest expense to earning assets
  • -1.99%Net operating income to assets
  • -1.99%Return on assets (ROA)
  • -1.99%Pretax return on assets
  • -19.32%Return on equity (ROE)
  • -19.32%Retained earnings to average equity (YTD only)
  • -0.08%Net charge-offs to loans
  • 500.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 187,986Assets per employee
  • 2.82%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.54%Loss allowance to noncurrent loans
  • 109.46%Noncurrent assets plus other real estate owned to assets
  • 2.35%Noncurrent loans to loans
  • 3.24%Net loans and leases to deposits
  • 61.79%Net loans and leases to core deposits
  • 67.85%Equity capital to assets
  • 10.54%Core capital (leverage) ratio
  • 9.22%Tier 1 risk-based capital ratio
  • 15.28%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $46,363Average earning assets
  • $4,778Average equity
  • $43,701Average loans

List of branches

  • 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
  • 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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