Dalhart Federal Savings & Loan Association, SSB in Dalhart, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Dalhart Federal Savings & Loan Association, SSB in Dalhart, Texas (TX)
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Dalhart Federal Savings & Loan Association, SSB - Overview

  • General
  • FDIC Certificate #: 29208
    Status: Active
    Federal Reserve ID: 971070
    Date Established: October 01, 1934
    WWW: http://www.dalhartfederal.com
    Trust Powers Granted: No
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 3101
    FDIC's unique #: 42042
    Numeric code: 41
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: November 26, 1934
    Last Structure Change Effective Date: July 01, 2011
    Last Structure Change Process Date: July 14, 2011
    Last Data Update: July 25, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 502 Denrock Avenue, Dalhart, TX 79022
    County: Dallam
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Lubbock
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
  • History of Changes
  • Change in Primary Regulatory Agency
    Change in Entity Type
    Change in Supervisory Agency
    Change in Chartering Agent
  • Financial Summary
  • Total assets: $103.9 mil
    Equity capital: $9.8 mil
    Deposits held in domestic offices: $81.1 mil
    Return on assets (ROA): 0.60% ($0.6 mil)
    Quarterly return on assets: 0.59% ($0.6 mil)
    Return on Equity (ROE): 6.60% ($0.7 mil)
    Quarterly return on equity: 6.51% ($0.7 mil)
    Net income: $0.6 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.83% ($862.6 mil)
    Quarterly Pretax return on assets: 0.83% ($862.6 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
  • 29Total employees (full-time equivalent)
  • $103,932Total assets
  • $7,229Cash and due from depository institutions
  • $4,977Interest-bearing balances
  • $27,511Securities
  • $21Federal funds sold & reverse repurchase agreements
  • $63,438Net loans & leases
  • $100Loan loss allowance
  • $0Trading account assets
  • $1,265Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $103,932Life insurance assets
  • $4,468All other assets
  • $94,136Total liabilities and capital
  • $81,076Total liabilities
  • $71,468Total deposits
  • $81,076Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $11,884Trading liabilities
  • $0Other borrowed funds
  • $1,176Subordinated debt
  • $9,796All other liabilities
  • $9,796Total equity capital
  • $9,796Total bank equity capital
  • $0Perpetual preferred stock
  • $1Common stock
  • $8,255Surplus
  • $1,540Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1Income earned, not collected on loans
  • $0Earning assets
  • $416Long-term assets (5+ years)
  • $95,947Average Assets, year-to-date
  • $31,067Average Assets, quarterly
  • $104,684Volatile liabilities
  • $106,277Insider loans
  • $43,868FHLB advances
  • $104,198Loans and leases held for sale
  • $2,524Unused loan commitments
  • $2,524Tier 1 (core) risk-based capital
  • $9,423Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,937Restructured Loans and leases
  • $980Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,854Total interest income
  • $1,180Total interest expense
  • $3,674Net interest income
  • $16Provision for loan and lease losses
  • $256Total noninterest income
  • $0Fiduciary activities
  • $103Service charges on deposit accounts
  • $0Trading account gains & fees
  • $153Additional noninterest income
  • $3,042Total noninterest expense
  • $1,908Salaries and employee benefits
  • $234Premises and equipment expense
  • $900Additional noninterest expense
  • $872Pre-tax net operating income
  • $0Securities gains (losses)
  • $247Applicable income taxes
  • $625Income before extraordinary items
  • $0Extraordinary gains - net
  • $625Net income attributable to bank
  • $0Net charge-offs
  • $625Cash dividends
  • $16Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.02%Yield on earning assets
  • 1.22%Cost of funding earning assets
  • 3.80%Net interest margin
  • 0.26%Noninterest income to earning assets
  • 3.15%Noninterest expense to earning assets
  • 0.60%Net operating income to assets
  • 0.60%Return on assets (ROA)
  • 0.83%Pretax return on assets
  • 6.60%Return on equity (ROE)
  • 6.60%Retained earnings to average equity (YTD only)
  • 0.03%Net charge-offs to loans
  • 100.00%Credit loss provision to net charge-offs
  • 55.50%Efficiency ratio
  • 77,405Assets per employee
  • 3.58%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.16%Loss allowance to noncurrent loans
  • 10000.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 78.25%Net loans and leases to core deposits
  • 95.52%Equity capital to assets
  • 9.43%Core capital (leverage) ratio
  • 9.04%Tier 1 risk-based capital ratio
  • 21.48%Total risk-based capital ratio
  • Memoranda
  • $22Average assets
  • $104,684Average earning assets
  • $9,465Average equity
  • $96,680Average loans

List of branches

  • 2 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    042042Dalhart Federal Savings & Loan Association, Ssb502 Denrock Avenue, Dalhart, TX 79022October 01, 1934Full Service Brick and Mortar
    1273668202 East Seventh St Branch202 East Seventh St, Dumas, TX 79029October 01, 1934Full Service Brick and Mortar

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