FDIC Certificate #: 11891 Status: Active Federal Reserve ID: 753856 Bank Holding Company (Regulatory Top Holder): Donley County Bancshares, Inc. (RSSDID: 2126669, Location: Clarendon, TX) Date Established: January 01, 1906 WWW:http://www.donleybank.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 7594 Numeric code: 21 Regulator: FDIC 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: Yes Subchapter S Corporations: Yes Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: March 31, 2006 Last Structure Change Process Date: April 17, 2008 Last Data Update: April 17, 2008 Data Source Date: April 05, 2012
Location
Address: 201 South Kearney, Clarendon, TX 79226 County: Donley Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: Dallas FDIC Field Office: Lubbock Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: West
History of Changes
Merge BIF and SAIF Funds into DIF
Change in Geographic Region/Area/Territory/Field Office
Financial Summary
Total assets: $43.9 mil Equity capital: $7.6 mil Deposits held in domestic offices: $36.2 mil Return on assets (ROA): 0.33% ($0.1 mil) Quarterly return on assets: -0.23% (-$0.1 mil) Return on Equity (ROE): 1.74% ($0.1 mil) Quarterly return on equity: -1.26% (-$0.1 mil) Net income: $0.1 mil Quarterly Net income: -$0.0 mil Pretax return on assets: 0.33% ($144.9 mil) Quarterly Pretax return on assets: -0.23% (-$101.0 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
13Total employees (full-time equivalent)
$43,913Total assets
$16,217Cash and due from depository institutions
$10,489Interest-bearing balances
$7,858Securities
$11,000Federal funds sold & reverse repurchase agreements
$7,381Net loans & leases
$291Loan loss allowance
$0Trading account assets
$22Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$43,913Life insurance assets
$1,435All other assets
$36,328Total liabilities and capital
$36,211Total liabilities
$30,195Total deposits
$36,211Interest-bearing deposits
$92Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$117Subordinated debt
$7,585All other liabilities
$7,585Total equity capital
$7,585Total bank equity capital
$0Perpetual preferred stock
$400Common stock
$1,000Surplus
$6,185Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$222Long-term assets (5+ years)
$36,728Average Assets, year-to-date
$3,192Average Assets, quarterly
$41,134Volatile liabilities
$42,610Insider loans
$16,482FHLB advances
$43,905Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$7,295Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$953Restructured Loans and leases
$194Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$986Total interest income
$207Total interest expense
$779Net interest income
$0Provision for loan and lease losses
$545Total noninterest income
$0Fiduciary activities
$147Service charges on deposit accounts
$0Trading account gains & fees
$398Additional noninterest income
$1,190Total noninterest expense
$797Salaries and employee benefits
$72Premises and equipment expense
$321Additional noninterest expense
$134Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$134Income before extraordinary items
$0Extraordinary gains - net
$134Net income attributable to bank
$0Net charge-offs
$134Cash dividends
-$2Sale, conversion, retirement of capital stock, net
$265Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
2.90%Yield on earning assets
0.61%Cost of funding earning assets
2.29%Net interest margin
1.60%Noninterest income to earning assets
3.50%Noninterest expense to earning assets
0.33%Net operating income to assets
0.33%Return on assets (ROA)
0.33%Pretax return on assets
1.74%Return on equity (ROE)
-1.70%Retained earnings to average equity (YTD only)
-0.03%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
89,879Assets per employee
3.38%Cash dividends to net income (YTD only)
Condition Ratios (%)
197.76%Loss allowance to loans
3.79%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
20.38%Net loans and leases to core deposits
23.43%Equity capital to assets
17.27%Core capital (leverage) ratio
16.62%Tier 1 risk-based capital ratio
44.26%Total risk-based capital ratio
Memoranda
$46Average assets
$41,134Average earning assets
$7,688Average equity
$33,965Average loans
List of branches
1 Texas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
7594
The Donley County State Bank
201 South Kearney, Clarendon, TX 79226
January 01, 1906
Full Service Brick and Mortar
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