DNB NATIONAL BANK in Clear Lake, South Dakota (SD)
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| DNB NATIONAL BANK | |
|---|---|
| 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) |
| Assets and Liabilities (December 31, 2011) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 21 |
| Total assets | $60,835 |
| Cash and due from depository institutions | $4,287 |
| Interest-bearing balances | $2,040 |
| Securities | $33,976 |
| Federal funds sold & reverse repurchase agreements | $0 |
| Net loans & leases | $18,043 |
| Loan loss allowance | $420 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $751 |
| Other real estate owned | $0 |
| Goodwill and other intangibles | $174 |
| All other assets | $3,604 |
| Life insurance assets | $60,835 |
| Total liabilities and capital | $55,323 |
| Total liabilities | $50,328 |
| Total deposits | $33,419 |
| Interest-bearing deposits | $50,328 |
| Deposits held in domestic offices | $88 |
| % insured (estimated) | 0.00% |
| Federal funds purchased & repurchase agreements | $0 |
| Trading liabilities | $4,500 |
| Other borrowed funds | $0 |
| Subordinated debt | $495 |
| All other liabilities | $5,512 |
| Total equity capital | $5,512 |
| Total bank equity capital | $5,512 |
| Perpetual preferred stock | $0 |
| Common stock | $200 |
| Surplus | $1,720 |
| Undivided profits | $3,592 |
| Memoranda | |
| Noncurrent loans and leases | $0 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 |
| Income earned, not collected on loans | $289 |
| Earning assets | $0 |
| Long-term assets (5+ years) | $387 |
| Average Assets, year-to-date | $54,059 |
| Average Assets, quarterly | $24,144 |
| Volatile liabilities | $57,156 |
| Insider loans | $58,819 |
| FHLB advances | $34,468 |
| Loans and leases held for sale | $60,676 |
| Unused loan commitments | $1,902 |
| Tier 1 (core) risk-based capital | $1,902 |
| Tier 2 risk-based capital | $6,617 |
| Total risk weighted assets | $0 |
| Total unused commitments | $0 |
| Restructured Loans and leases | $4,033 |
| Derivatives | $1 |
| Income and Expense (December 31, 2011) (Dollar figures in thousands) | |
| Total interest income | $2,436 |
| Total interest expense | $381 |
| Net interest income | $2,055 |
| Provision for loan and lease losses | $0 |
| Total noninterest income | $638 |
| Fiduciary activities | $0 |
| Service charges on deposit accounts | $191 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $447 |
| Total noninterest expense | $2,228 |
| Salaries and employee benefits | $1,214 |
| Premises and equipment expense | $193 |
| Additional noninterest expense | $821 |
| Pre-tax net operating income | $465 |
| Securities gains (losses) | -$97 |
| Applicable income taxes | $4 |
| Income before extraordinary items | $364 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $364 |
| Net charge-offs | $0 |
| Cash dividends | $364 |
| Sale, conversion, retirement of capital stock, net | $46 |
| Net operating income | $305 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 4.78% |
| Cost of funding earning assets | 0.75% |
| Net interest margin | 4.03% |
| Noninterest income to earning assets | 1.25% |
| Noninterest expense to earning assets | 4.37% |
| Net operating income to assets | 0.80% |
| Return on assets (ROA) | 0.64% |
| Pretax return on assets | 0.64% |
| Return on equity (ROE) | 6.29% |
| Retained earnings to average equity (YTD only) | 1.02% |
| Net charge-offs to loans | 0.25% |
| Credit loss provision to net charge-offs | 0.00% |
| Efficiency ratio | 10.11% |
| Assets per employee | $82,733 |
| Cash dividends to net income (YTD only) | 2.90% |
| Condition Ratios (%) | |
| Loss allowance to loans | 83.79% |
| Loss allowance to noncurrent loans | 2.27% |
| Noncurrent assets plus other real estate owned to assets | 145.33% |
| Noncurrent loans to loans | 0.48% |
| Net loans and leases to deposits | 1.57% |
| Net loans and leases to core deposits | 35.85% |
| Equity capital to assets | 41.88% |
| Core capital (leverage) ratio | 9.06% |
| Tier 1 risk-based capital ratio | 10.91% |
| Total risk-based capital ratio | 19.20% |
| Memoranda | |
| Average assets | $20 |
| Average earning assets | $57,156 |
| Average equity | $5,791 |
| Average loans | $50,958 |
| 2 South Dakota Branches as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 2586 | Dnb National Bank | 305 4th St W, Clear Lake, SD 57226 | January 01, 1926 | Full Service Brick and Mortar |  |
| 1 | 4101 | Gary Branch | 226 First Avenue, Gary, SD 57237 | April 01, 1921 | Full Service Brick and Mortar |  |
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BankEncyclopedia.com does not guarantee the accuracy or timeliness of any information on this site. Use at your own risk.