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



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DNB NATIONAL BANK routing number info

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DNB NATIONAL BANK
GeneralFDIC 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
LocationAddress: 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 ChangesChange in Location
Financial SummaryTotal 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)
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
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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
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.78%
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 ratio10.11%
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 deposits1.57%
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
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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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