FDIC Certificate #: 26542 Status: Active Federal Reserve ID: 638355 Bank Holding Company (Regulatory Top Holder): D Bancorp, Inc. (RSSDID: 2127022, Location: Desoto, TX) Date Established: January 27, 1986 WWW:http://www.bankdesoto.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: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 35231 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: Yes Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: January 27, 1986 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: 2011 North Hampton Road, De Soto, TX 75115 County: Dallas Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: Dallas FDIC Field Office: Dallas Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: West Metropolitan Statistical Area (MSA): Dallas, TX (#1920) Consolidated Metropolitan Statistical Area (CMSA): Dallas-Fort Worth, TX (#31) Combined Statistical Area (CSA): Dallas-Fort Worth, TX (#206) Core Based Statistical Area (CBSA): Dallas-Fort Worth-Arlington, TX (#19100) CBSA Metro Statistical Area: Dallas-Fort Worth-Arlington, TX (#19100) Core Based Statistical Division: Dallas-Plano-Irving, TX (#19124)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $171.5 mil Equity capital: $17.5 mil Deposits held in domestic offices: $153.8 mil Return on assets (ROA): 2.41% ($4.1 mil) Quarterly return on assets: 2.16% ($3.7 mil) Return on Equity (ROE): 23.88% ($4.1 mil) Quarterly return on equity: 21.86% ($3.7 mil) Net income: $4.0 mil Quarterly Net income: $0.9 mil Pretax return on assets: 2.41% ($4,132.4 mil) Quarterly Pretax return on assets: 2.16% ($3,703.7 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
35Total employees (full-time equivalent)
$171,468Total assets
$18,231Cash and due from depository institutions
$17,212Interest-bearing balances
$8,447Securities
$28,000Federal funds sold & reverse repurchase agreements
$107,749Net loans & leases
$1,286Loan loss allowance
$0Trading account assets
$3,554Bank premises and fixed assets
$1,393Other real estate owned
$0Goodwill and other intangibles
$171,468Life insurance assets
$4,094All other assets
$153,978Total liabilities and capital
$153,806Total liabilities
$125,736Total deposits
$153,806Interest-bearing deposits
$89Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$172Subordinated debt
$17,490All other liabilities
$17,490Total equity capital
$17,490Total bank equity capital
$0Perpetual preferred stock
$875Common stock
$875Surplus
$15,740Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$512Income earned, not collected on loans
$0Earning assets
$803Long-term assets (5+ years)
$161,408Average Assets, year-to-date
$64,428Average Assets, quarterly
$166,992Volatile liabilities
$175,498Insider loans
$106,614FHLB advances
$173,044Loans and leases held for sale
$2,531Unused loan commitments
$2,531Tier 1 (core) risk-based capital
$17,490Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$4,267Restructured Loans and leases
$848Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$10,576Total interest income
$1,455Total interest expense
$9,121Net interest income
$460Provision for loan and lease losses
$1,121Total noninterest income
$0Fiduciary activities
$914Service charges on deposit accounts
$0Trading account gains & fees
$207Additional noninterest income
$5,756Total noninterest expense
$3,157Salaries and employee benefits
$467Premises and equipment expense
$2,132Additional noninterest expense
$4,026Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$4,026Income before extraordinary items
$0Extraordinary gains - net
$4,026Net income attributable to bank
$0Net charge-offs
$4,026Cash dividends
$308Sale, conversion, retirement of capital stock, net
$2,582Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.80%Yield on earning assets
0.94%Cost of funding earning assets
5.86%Net interest margin
0.72%Noninterest income to earning assets
3.70%Noninterest expense to earning assets
2.41%Net operating income to assets
2.41%Return on assets (ROA)
2.41%Pretax return on assets
23.88%Return on equity (ROE)
8.57%Retained earnings to average equity (YTD only)
0.28%Net charge-offs to loans
149.35%Credit loss provision to net charge-offs
14.56%Efficiency ratio
56,200Assets per employee
4.90%Cash dividends to net income (YTD only)
Condition Ratios (%)
64.13%Loss allowance to loans
1.18%Loss allowance to noncurrent loans
251.17%Noncurrent assets plus other real estate owned to assets
1.11%Noncurrent loans to loans
0.47%Net loans and leases to deposits
70.06%Net loans and leases to core deposits
77.20%Equity capital to assets
10.20%Core capital (leverage) ratio
10.11%Tier 1 risk-based capital ratio
16.40%Total risk-based capital ratio
Memoranda
$18Average assets
$166,992Average earning assets
$16,859Average equity
$155,552Average loans
List of branches
1 Texas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
35231
Bank Of Desoto, National Association
2011 North Hampton Road, De Soto, TX 75115
January 27, 1986
Full Service Brick and Mortar
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