DNB First, National Association in Downingtown, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • DNB First, National Association in Downingtown, Pennsylvania (PA)
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DNB First, National Association - Overview

  • General
  • FDIC Certificate #: 7464
    Status: Active
    Federal Reserve ID: 71318
    Bank Holding Company (Regulatory Top Holder): Dnb Financial Corporation (RSSDID: 1117455, Location: Downingtown, PA)
    Date Established: January 01, 1861
    WWW: http://www.dnbfirst.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 13 (Domestic: 13, Interstate: No)
    OTS Docket #: 14199
    FDIC's unique #: 4850
    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: No
    Asset Concentration Hierarchy: Commercial Lending 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: 4 Brandywine Avenue, Downingtown, PA 19335
    County: Chester
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: Philadelphia
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
    Metropolitan Statistical Area (MSA): Philadelphia, PA-NJ (#6160)
    Consolidated Metropolitan Statistical Area (CMSA): Philadelphia-Wilmington-Atlantic City, PA-NJ-DE-MD (#77)
    Combined Statistical Area (CSA): Philadelphia-Camden-Vineland, PA-NJ-DE-MD (#428)
    Core Based Statistical Area (CBSA): Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (#37980)
    CBSA Metro Statistical Area: Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (#37980)
    Core Based Statistical Division: Philadelphia, PA (#37964)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $607.7 mil
    Equity capital: $60.0 mil
    Deposits held in domestic offices: $498.2 mil
    Return on assets (ROA): 0.85% ($5.2 mil)
    Quarterly return on assets: 0.91% ($5.5 mil)
    Return on Equity (ROE): 9.10% ($5.5 mil)
    Quarterly return on equity: 9.24% ($5.5 mil)
    Net income: $5.2 mil
    Quarterly Net income: $1.4 mil
    Pretax return on assets: 1.19% ($7,231.8 mil)
    Quarterly Pretax return on assets: 1.24% ($7,535.7 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
  • 117Total employees (full-time equivalent)
  • $607,717Total assets
  • $32,865Cash and due from depository institutions
  • $24,783Interest-bearing balances
  • $143,945Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $397,520Net loans & leases
  • $6,164Loan loss allowance
  • $0Trading account assets
  • $7,846Bank premises and fixed assets
  • $3,762Other real estate owned
  • $168Goodwill and other intangibles
  • $607,717Life insurance assets
  • $21,611All other assets
  • $547,685Total liabilities and capital
  • $498,158Total liabilities
  • $429,467Total deposits
  • $498,158Interest-bearing deposits
  • $82Deposits held in domestic offices
  • 23770.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $20,598Trading liabilities
  • $0Other borrowed funds
  • $5,159Subordinated debt
  • $60,032All other liabilities
  • $60,032Total equity capital
  • $60,032Total bank equity capital
  • $0Perpetual preferred stock
  • $7,024Common stock
  • $28,882Surplus
  • $24,126Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $7,642Income earned, not collected on loans
  • $0Earning assets
  • $2,536Long-term assets (5+ years)
  • $566,248Average Assets, year-to-date
  • $237,446Average Assets, quarterly
  • $612,347Volatile liabilities
  • $608,951Insider loans
  • $427,881FHLB advances
  • $604,551Loans and leases held for sale
  • $8,383Unused loan commitments
  • $3,962Tier 1 (core) risk-based capital
  • $61,130Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $4,421Total unused commitments
  • $57,720Restructured Loans and leases
  • $199Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $26,174Total interest income
  • $4,336Total interest expense
  • $21,838Net interest income
  • $1,480Provision for loan and lease losses
  • $3,577Total noninterest income
  • $359Fiduciary activities
  • $1,143Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,075Additional noninterest income
  • $16,697Total noninterest expense
  • $8,776Salaries and employee benefits
  • $3,142Premises and equipment expense
  • $4,779Additional noninterest expense
  • $7,238Pre-tax net operating income
  • $38Securities gains (losses)
  • $2,066Applicable income taxes
  • $5,210Income before extraordinary items
  • $0Extraordinary gains - net
  • $5,210Net income attributable to bank
  • $0Net charge-offs
  • $5,210Cash dividends
  • $1,200Sale, conversion, retirement of capital stock, net
  • $2,762Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.59%Yield on earning assets
  • 0.76%Cost of funding earning assets
  • 3.83%Net interest margin
  • 0.63%Noninterest income to earning assets
  • 2.93%Noninterest expense to earning assets
  • 0.85%Net operating income to assets
  • 0.85%Return on assets (ROA)
  • 1.19%Pretax return on assets
  • 9.10%Return on equity (ROE)
  • 4.27%Retained earnings to average equity (YTD only)
  • 0.29%Net charge-offs to loans
  • 123.33%Credit loss provision to net charge-offs
  • 7.26%Efficiency ratio
  • 65,505Assets per employee
  • 5.19%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 53.01%Loss allowance to loans
  • 1.53%Loss allowance to noncurrent loans
  • 80.66%Noncurrent assets plus other real estate owned to assets
  • 1.88%Noncurrent loans to loans
  • 1.89%Net loans and leases to deposits
  • 79.80%Net loans and leases to core deposits
  • 83.12%Equity capital to assets
  • 9.88%Core capital (leverage) ratio
  • 10.11%Tier 1 risk-based capital ratio
  • 14.29%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $612,347Average earning assets
  • $57,282Average equity
  • $570,411Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $34,575Managed Assets
  • 1Number of Accounts
  • $30,940Personal trust and agency accounts
  • $14,873Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $3,697Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $10,986Other fiduciary accounts
  • $1,384Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 130Number of Accounts
  • $0Personal trust and agency accounts
  • $3,697Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $3,635Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $3,635Fiduciary accounts held in foreign offices

List of branches

  • 13 Pennsylvania Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    04850Dnb First, National Association4 Brandywine Avenue, Downingtown, PA 19335January 01, 1861Full Service Brick and Mortar
    1215636East End Branch701 East Lancaster Avenue, Downingtown, PA 19335July 15, 1963Full Service Brick and Mortar
    2215637Lionville Branch891 N. Pottstown Pike, Exton, PA 19341April 22, 1963Full Service Brick and Mortar
    3215638Little Washington Branch104 Culbertson Run Rd, Downingtown, PA 19335May 13, 1974Full Service Brick and Mortar
    4215639Ludwig's Corner Branch1030 N. Pottstown Pike, Chester Springs, PA 19425July 21, 1989Full Service Brick and Mortar
    5215640Tel Hai Branch1200 Tel Hai Circle, Honey Brook, PA 19344November 27, 1989Limited Service Mobile
    6215641Caln Office Branch1835 East Lincoln Highway, Coatesville, PA 19320January 14, 1991Full Service Brick and Mortar
    7277744Kennett Square Branch215 East Cypress Street, Kennett Square, PA 19348January 01, 1913Full Service Brick and Mortar
    8215642West Goshen Branch1115 West Chester Pike, West Chester, PA 19382May 17, 1999Full Service Brick and Mortar
    10362488Exton Square Parkway Branch410 Exton Square Parkway, Exton, PA 19341August 13, 2001Full Service Brick and Mortar
    11445923Media Branch323 West State Street, Media, PA 19063September 12, 2005Limited Service Mobile
    12446309West Chester Branch2 North Church Street, West Chester, PA 19380October 27, 2005Full Service Brick and Mortar
    13465753Chadds Ford Branch300 Oakland Rd., West Chester, PA 19382June 11, 2007Full Service Brick and Mortar

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