Northland National Bank

Northland National Bank is headquartered in Gladstone and is the 296^th largest bank in the state of Missouri. It is also the 6,665^th largest bank in the nation. It was established in 1987 and as of March of 2012, it had grown to 14 employees at 2 locations. Northland National Bank has a 3-star health rating.

Northland National Bank Routing Number: 101005645

Data for Q1 2012

Institution Statistics Northland National Bank FDIC Certificate # 26890 BankRate Report View Year Established 1987 Employees 14 Primary Regulator OCC Assets and Liabilities Assets $40.51 million Loans $21.78 million Deposits $36.42 million Equity Capital $3.95 million Loan Loss Allowance $597,000 Unbacked Noncurrent Loans $927,000 Real Estate Owned $212,000 Historic Data - March 2011 Assets $48.29 million Equity Capital $4.77 million Loan Loss Allowance $981,000 Unbacked Noncurrent Loans $862,000 Real Estate Owned $785,000 Profit Margin - Quarterly Net Interest Margin 2.8% Return on Assets -1.74% Return on Equity -17.72% Interest Income $394,000

Institution Health Overall Score: 3 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Northland National Bank had $1.14 million in non-current loans and owned real-estate with $4.54 million in equity and loan loss allowances on hand to cover it. This gives Northland National Bank a Texas Ratio of 25.08% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Northland National Bank held steady from 28.62% as of March 31, 2011 to 25.08% as of March 31, 2012, resulting in a positive change of 12.39%.This indicates that the balance sheet and financial strength for Northland National Bank has held steady in recent periods. Deposit Growth In the past year, Northland National Bank has decreased its total deposits by -$6.82 million, resulting in -15.77% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Northland National Bank has shown is poor. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Northland National Bank has $40.51 million in assets with $4.54 million in equity, resulting in a capitalization level of 11.21%, which is above average.

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