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Northland National Bank

Gladstone, MO · Cert 26890

FDIC

Q4 2012

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2012, the quarter ended December 31, 2012, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Northland National Bank

Gladstone, MO · Cert 26890

FDIC

Q4 2012

$34.5MAssets
$19.9MLoans
$30.7MDeposits
$3.1MEquity
Loan mix
91%RE $13.9M7%C&I $1.1M1%Consumer $0.2MQ4 2011Q4 2012
Deposit mix
82%Interest-bearing $25.1M18%Noninterest $5.6MQ4 2011Q4 2012

NIM

4.04%Q4 ’104.22%Q4 ’114.21%Q4 ’12+71%+34%

Non-interest income vs. expense

5.09%Q4 ’105.91%Q4 ’115.09%Q4 ’12+18%-11%

Executive Summary

  • Earnings: ROA of -2.48%, up 22 bps year over year; NIM at 3.17%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 4.02%.
  • Funding: loans stand at 64.77% of deposits as of Q4 2012.

Financial Results

Return on Assets (YTD, annualized)

-2.48%+22 bps YoY

Net Interest Margin (YTD, annualized)

3.17%+81 bps YoY

Efficiency Ratio (YTD, annualized)

151.90%-3,609 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2011Q1 2012Q2 2012Q3 2012Q4 2012YoY ΔTrend
Earnings
Return on Assets-2.70%-1.74%-2.24%-2.21%-2.48%+22 bps
Return on Equity-26.48%-17.72%-22.98%-22.77%-25.88%+60 bps
Net Interest Margin2.36%2.75%2.85%2.99%3.17%+81 bps
Efficiency Ratio187.99%150.47%146.77%151.31%151.90%-3,609 bps
Non-Interest Burden5.54%4.37%4.38%4.59%4.91%-63 bps
Growth
Asset Growth (YoY)-16.67%-16.12%-17.99%-18.27%-17.84%-117 bps
Loan Growth (YoY)-5.25%3.46%-18.20%-8.08%-17.75%-1,250 bps
Deposit Growth (YoY)-14.82%-15.77%-17.00%-17.78%-18.65%-383 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.08%4.93%4.63%3.75%4.02%+410 bps
Allowance / Loans3.54%2.67%2.51%2.07%1.97%-158 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital16.78%17.47%17.19%15.79%15.70%-107 bps
Equity / Assets9.85%9.74%9.64%9.51%9.07%-79 bps
Liquidity & Funding
Loans / Deposits64.06%61.45%61.12%66.53%64.77%+71 bps
Liquid Assets / Assets12.98%21.04%24.26%20.12%26.70%+1,372 bps
CRE / Total Capitaln/an/an/an/an/an/an/a