FDIC Certificate #: 57230 Status: Active Federal Reserve ID: 3049635 Bank Holding Company (Regulatory Top Holder): Dnb Financial Services, Inc. (RSSDID: 3049626, Location: Douglas, GA) Date Established: November 19, 2001 WWW:http://www.dnbdouglas.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 #: 359847 Numeric code: 3 Regulator: OCC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Agricultural lending institution: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: No Subchapter S Corporations: Yes Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: November 19, 2001 Last Structure Change Effective Date: July 26, 2007 Last Structure Change Process Date: September 11, 2007 Last Data Update: September 11, 2007 Data Source Date: April 05, 2012
Location
Address: 211 East Ward Street, Douglas, GA 31533 County: Coffee Quarterly Banking Profile Region: Atlanta FDIC Geographic Region: Atlanta FDIC Supervisory Region: Atlanta FDIC Field Office: Albany Ga Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: Southeast Core Based Statistical Area (CBSA): Douglas, GA (#20060) CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $156.1 mil Equity capital: $18.8 mil Deposits held in domestic offices: $136.1 mil Return on assets (ROA): 1.76% ($2.7 mil) Quarterly return on assets: 1.61% ($2.5 mil) Return on Equity (ROE): 15.28% ($2.9 mil) Quarterly return on equity: 13.27% ($2.5 mil) Net income: $2.7 mil Quarterly Net income: $0.6 mil Pretax return on assets: 1.76% ($2,746.9 mil) Quarterly Pretax return on assets: 1.61% ($2,512.8 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ 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
30Total employees (full-time equivalent)
$156,075Total assets
$8,274Cash and due from depository institutions
$1,306Interest-bearing balances
$12,401Securities
$5,980Federal funds sold & reverse repurchase agreements
$120,529Net loans & leases
$1,806Loan loss allowance
$0Trading account assets
$2,075Bank premises and fixed assets
$2,096Other real estate owned
$0Goodwill and other intangibles
$156,075Life insurance assets
$4,720All other assets
$137,304Total liabilities and capital
$136,121Total liabilities
$119,489Total deposits
$136,121Interest-bearing deposits
$91Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$636Trading liabilities
$0Other borrowed funds
$547Subordinated debt
$18,771All other liabilities
$18,771Total equity capital
$18,771Total bank equity capital
$0Perpetual preferred stock
$2,900Common stock
$5,600Surplus
$10,271Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,308Income earned, not collected on loans
$0Earning assets
$1,458Long-term assets (5+ years)
$140,216Average Assets, year-to-date
$16,997Average Assets, quarterly
$156,331Volatile liabilities
$153,257Insider loans
$120,365FHLB advances
$153,154Loans and leases held for sale
$2,307Unused loan commitments
$0Tier 1 (core) risk-based capital
$18,434Tier 2 risk-based capital
$0Total risk weighted assets
$2,307Total unused commitments
$6,840Restructured Loans and leases
$5,512Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$8,856Total interest income
$1,887Total interest expense
$6,969Net interest income
$1,100Provision for loan and lease losses
$1,142Total noninterest income
$0Fiduciary activities
$802Service charges on deposit accounts
$0Trading account gains & fees
$340Additional noninterest income
$4,266Total noninterest expense
$2,185Salaries and employee benefits
$250Premises and equipment expense
$1,831Additional noninterest expense
$2,745Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$2,745Income before extraordinary items
$0Extraordinary gains - net
$2,745Net income attributable to bank
$0Net charge-offs
$2,745Cash dividends
$1,102Sale, conversion, retirement of capital stock, net
$1,389Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.32%Yield on earning assets
1.35%Cost of funding earning assets
4.97%Net interest margin
0.82%Noninterest income to earning assets
3.05%Noninterest expense to earning assets
1.76%Net operating income to assets
1.76%Return on assets (ROA)
1.76%Pretax return on assets
15.28%Return on equity (ROE)
7.55%Retained earnings to average equity (YTD only)
0.89%Net charge-offs to loans
99.82%Credit loss provision to net charge-offs
3.49%Efficiency ratio
52,595Assets per employee
5.20%Cash dividends to net income (YTD only)
Condition Ratios (%)
50.60%Loss allowance to loans
1.48%Loss allowance to noncurrent loans
138.07%Noncurrent assets plus other real estate owned to assets
2.18%Noncurrent loans to loans
1.07%Net loans and leases to deposits
88.55%Net loans and leases to core deposits
99.53%Equity capital to assets
12.03%Core capital (leverage) ratio
12.04%Tier 1 risk-based capital ratio
15.32%Total risk-based capital ratio
Memoranda
$17Average assets
$156,331Average earning assets
$17,960Average equity
$140,094Average loans
List of branches
1 Georgia Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
359847
Douglas National Bank
211 East Ward Street, Douglas, GA 31533
November 19, 2001
Full Service Brick and Mortar
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