DNB NATIONAL BANK in Clear Lake, South Dakota (SD)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • DNB NATIONAL BANK in Clear Lake, South Dakota (SD)
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DNB NATIONAL BANK - Overview

  • General
  • FDIC Certificate #: 3977
    Status: Active
    Federal Reserve ID: 401559
    Bank Holding Company (Regulatory Top Holder): Dcnb Holding Company (RSSDID: 2359962, Location: Clear Lake, SD)
    Date Established: January 01, 1926
    WWW: http://www.dnbanks.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: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 2586
    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: January 01, 1934
    Last Structure Change Effective Date: September 10, 2008
    Last Structure Change Process Date: October 14, 2008
    Last Data Update: October 14, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 305 4th St W, Clear Lake, SD 57226
    County: Deuel
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Sioux Falls
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $60.8 mil
    Equity capital: $5.5 mil
    Deposits held in domestic offices: $50.3 mil
    Return on assets (ROA): 0.64% ($0.4 mil)
    Quarterly return on assets: 0.14% ($0.1 mil)
    Return on Equity (ROE): 6.29% ($0.4 mil)
    Quarterly return on equity: 1.48% ($0.1 mil)
    Net income: $0.4 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.64% ($389.3 mil)
    Quarterly Pretax return on assets: 0.06% ($36.5 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
  • 21Total employees (full-time equivalent)
  • $60,835Total assets
  • $4,287Cash and due from depository institutions
  • $2,040Interest-bearing balances
  • $33,976Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $18,043Net loans & leases
  • $420Loan loss allowance
  • $0Trading account assets
  • $751Bank premises and fixed assets
  • $0Other real estate owned
  • $174Goodwill and other intangibles
  • $60,835Life insurance assets
  • $3,604All other assets
  • $55,323Total liabilities and capital
  • $50,328Total liabilities
  • $33,419Total deposits
  • $50,328Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $4,500Trading liabilities
  • $0Other borrowed funds
  • $495Subordinated debt
  • $5,512All other liabilities
  • $5,512Total equity capital
  • $5,512Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $1,720Surplus
  • $3,592Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $289Income earned, not collected on loans
  • $0Earning assets
  • $387Long-term assets (5+ years)
  • $54,059Average Assets, year-to-date
  • $24,144Average Assets, quarterly
  • $57,156Volatile liabilities
  • $58,819Insider loans
  • $34,468FHLB advances
  • $60,676Loans and leases held for sale
  • $1,902Unused loan commitments
  • $1,902Tier 1 (core) risk-based capital
  • $6,617Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $4,033Restructured Loans and leases
  • $1Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,436Total interest income
  • $381Total interest expense
  • $2,055Net interest income
  • $0Provision for loan and lease losses
  • $638Total noninterest income
  • $0Fiduciary activities
  • $191Service charges on deposit accounts
  • $0Trading account gains & fees
  • $447Additional noninterest income
  • $2,228Total noninterest expense
  • $1,214Salaries and employee benefits
  • $193Premises and equipment expense
  • $821Additional noninterest expense
  • $465Pre-tax net operating income
  • -$97Securities gains (losses)
  • $4Applicable income taxes
  • $364Income before extraordinary items
  • $0Extraordinary gains - net
  • $364Net income attributable to bank
  • $0Net charge-offs
  • $364Cash dividends
  • $46Sale, conversion, retirement of capital stock, net
  • $305Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.78%Yield on earning assets
  • 0.75%Cost of funding earning assets
  • 4.03%Net interest margin
  • 1.25%Noninterest income to earning assets
  • 4.37%Noninterest expense to earning assets
  • 0.80%Net operating income to assets
  • 0.64%Return on assets (ROA)
  • 0.64%Pretax return on assets
  • 6.29%Return on equity (ROE)
  • 1.02%Retained earnings to average equity (YTD only)
  • 0.25%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 10.11%Efficiency ratio
  • 82,733Assets per employee
  • 2.90%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 83.79%Loss allowance to loans
  • 2.27%Loss allowance to noncurrent loans
  • 145.33%Noncurrent assets plus other real estate owned to assets
  • 0.48%Noncurrent loans to loans
  • 1.57%Net loans and leases to deposits
  • 35.85%Net loans and leases to core deposits
  • 41.88%Equity capital to assets
  • 9.06%Core capital (leverage) ratio
  • 10.91%Tier 1 risk-based capital ratio
  • 19.20%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $57,156Average earning assets
  • $5,791Average equity
  • $50,958Average loans

List of branches

  • 2 South Dakota Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02586Dnb National Bank305 4th St W, Clear Lake, SD 57226January 01, 1926Full Service Brick and Mortar
    14101Gary Branch226 First Avenue, Gary, SD 57237April 01, 1921Full Service Brick and Mortar

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