FDIC Certificate #: 3178 Status: Active Federal Reserve ID: 583754 Date Established: January 31, 1892 WWW:http://www.dublinnationalbank.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 #: 2041 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: No 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: November 03, 2006 Last Data Update: November 03, 2006 Data Source Date: April 05, 2012
Location
Address: 128 South Patrick Street, Dublin, TX 76446 County: Erath 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 Core Based Statistical Area (CBSA): Stephenville, TX (#44500) CBSA Micro Statistical Area: Yes
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $27.5 mil Equity capital: $3.9 mil Deposits held in domestic offices: $23.5 mil Return on assets (ROA): 0.28% ($0.1 mil) Quarterly return on assets: 0.49% ($0.1 mil) Return on Equity (ROE): 1.95% ($0.1 mil) Quarterly return on equity: 3.38% ($0.1 mil) Net income: $0.1 mil Quarterly Net income: $0.0 mil Pretax return on assets: 0.28% ($77.0 mil) Quarterly Pretax return on assets: 0.65% ($178.8 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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)
$27,510Total assets
$2,980Cash and due from depository institutions
$0Interest-bearing balances
$12,598Securities
$0Federal funds sold & reverse repurchase agreements
$11,244Net loans & leases
$198Loan loss allowance
$0Trading account assets
$87Bank premises and fixed assets
$213Other real estate owned
$0Goodwill and other intangibles
$27,510Life insurance assets
$388All other assets
$23,593Total liabilities and capital
$23,535Total liabilities
$16,687Total deposits
$23,535Interest-bearing deposits
$93Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$58Subordinated debt
$3,917All other liabilities
$3,917Total equity capital
$3,917Total bank equity capital
$0Perpetual preferred stock
$200Common stock
$600Surplus
$3,117Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$334Income earned, not collected on loans
$0Earning assets
$150Long-term assets (5+ years)
$23,842Average Assets, year-to-date
$5,543Average Assets, quarterly
$27,080Volatile liabilities
$27,086Insider loans
$13,620FHLB advances
$26,864Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$3,878Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$234Restructured Loans and leases
$115Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,050Total interest income
$77Total interest expense
$973Net interest income
$0Provision for loan and lease losses
$224Total noninterest income
$0Fiduciary activities
$170Service charges on deposit accounts
$0Trading account gains & fees
$54Additional noninterest income
$1,120Total noninterest expense
$579Salaries and employee benefits
$157Premises and equipment expense
$384Additional noninterest expense
$77Pre-tax net operating income
$0Securities gains (losses)
$2Applicable income taxes
$75Income before extraordinary items
$0Extraordinary gains - net
$75Net income attributable to bank
$0Net charge-offs
$75Cash dividends
$10Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.40%Yield on earning assets
0.32%Cost of funding earning assets
4.08%Net interest margin
0.94%Noninterest income to earning assets
4.69%Noninterest expense to earning assets
0.28%Net operating income to assets
0.28%Return on assets (ROA)
0.28%Pretax return on assets
1.95%Return on equity (ROE)
1.95%Retained earnings to average equity (YTD only)
0.08%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
7.70%Efficiency ratio
93,567Assets per employee
2.12%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.73%Loss allowance to noncurrent loans
59.28%Noncurrent assets plus other real estate owned to assets
1.99%Noncurrent loans to loans
2.92%Net loans and leases to deposits
47.78%Net loans and leases to core deposits
48.30%Equity capital to assets
14.24%Core capital (leverage) ratio
14.44%Tier 1 risk-based capital ratio
28.47%Total risk-based capital ratio
Memoranda
$30Average assets
$27,080Average earning assets
$3,837Average equity
$23,872Average loans
List of branches
1 Texas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
2041
The Dublin National Bank
128 South Patrick Street, Dublin, TX 76446
January 31, 1892
Full Service Brick and Mortar
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