Douglas National Bank in Douglas, Georgia (GA)



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Douglas National Bank
GeneralFDIC Certificate #: 57230
Status: Active
Federal Reserve ID: 3049635
Bank Holding Company (Regulatory Top Holder): Dnb Financial Services, Inc. (RSSDID: 3049626, Location: Douglas, GA)
Date Established: November 19, 2001
WWW: http://www.dnbdouglas.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: 1 (Domestic: 1, Interstate: No)
FDIC's unique #: 359847
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: November 19, 2001
Last Structure Change Effective Date: July 26, 2007
Last Structure Change Process Date: September 11, 2007
Last Data Update: September 11, 2007
Data Source Date: April 05, 2012
LocationAddress: 211 East Ward Street, Douglas, GA 31533
County: Coffee
Quarterly Banking Profile Region: Atlanta
FDIC Geographic Region: Atlanta
FDIC Supervisory Region: Atlanta
FDIC Field Office: Albany Ga
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: Southeast
Core Based Statistical Area (CBSA): Douglas, GA (#20060)
CBSA Micro Statistical Area: Yes
Financial SummaryTotal assets: $156.1 mil
Equity capital: $18.8 mil
Deposits held in domestic offices: $136.1 mil
Return on assets (ROA): 1.76% ($2.7 mil)
Quarterly return on assets: 1.61% ($2.5 mil)
Return on Equity (ROE): 15.28% ($2.9 mil)
Quarterly return on equity: 13.27% ($2.5 mil)
Net income: $2.7 mil
Quarterly Net income: $0.6 mil
Pretax return on assets: 1.76% ($2,746.9 mil)
Quarterly Pretax return on assets: 1.61% ($2,512.8 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)30
Total assets$156,075
Cash and due from depository institutions$8,274
Interest-bearing balances$1,306
Securities$12,401
Federal funds sold & reverse repurchase agreements$5,980
Net loans & leases$120,529
Loan loss allowance $1,806
Trading account assets$0
Bank premises and fixed assets$2,075
Other real estate owned$2,096
Goodwill and other intangibles$0
All other assets$4,720
Life insurance assets$156,075
Total liabilities and capital$137,304
Total liabilities$136,121
Total deposits$119,489
Interest-bearing deposits$136,121
Deposits held in domestic offices$91
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$636
Other borrowed funds $0
Subordinated debt $547
All other liabilities $18,771
Total equity capital$18,771
Total bank equity capital$18,771
Perpetual preferred stock$0
Common stock$2,900
Surplus$5,600
Undivided profits $10,271
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 $1,308
Earning assets $0
Long-term assets (5+ years) $1,458
Average Assets, year-to-date $140,216
Average Assets, quarterly $16,997
Volatile liabilities $156,331
Insider loans $153,257
FHLB advances $120,365
Loans and leases held for sale $153,154
Unused loan commitments $2,307
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $18,434
Total risk weighted assets $0
Total unused commitments $2,307
Restructured Loans and leases $6,840
Derivatives$5,512
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $8,856
Total interest expense $1,887
Net interest income $6,969
Provision for loan and lease losses $1,100
Total noninterest income $1,142
Fiduciary activities $0
Service charges on deposit accounts $802
Trading account gains & fees $0
Additional noninterest income $340
Total noninterest expense $4,266
Salaries and employee benefits $2,185
Premises and equipment expense $250
Additional noninterest expense $1,831
Pre-tax net operating income $2,745
Securities gains (losses) $0
Applicable income taxes $0
Income before extraordinary items $2,745
Extraordinary gains - net $0
Net income attributable to bank $2,745
Net charge-offs $0
Cash dividends $2,745
Sale, conversion, retirement of capital stock, net $1,102
Net operating income $1,389
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets6.32%
Cost of funding earning assets 1.35%
Net interest margin 4.97%
Noninterest income to earning assets 0.82%
Noninterest expense to earning assets 3.05%
Net operating income to assets 1.76%
Return on assets (ROA) 1.76%
Pretax return on assets 1.76%
Return on equity (ROE) 15.28%
Retained earnings to average equity (YTD only) 7.55%
Net charge-offs to loans 0.89%
Credit loss provision to net charge-offs 99.82%
Efficiency ratio3.49%
Assets per employee$52,595
Cash dividends to net income (YTD only)5.20%
Condition Ratios (%)
Loss allowance to loans 50.60%
Loss allowance to noncurrent loans 1.48%
Noncurrent assets plus other real estate owned to assets 138.07%
Noncurrent loans to loans 2.18%
Net loans and leases to deposits1.07%
Net loans and leases to core deposits 88.55%
Equity capital to assets 99.53%
Core capital (leverage) ratio 12.03%
Tier 1 risk-based capital ratio 12.04%
Total risk-based capital ratio 15.32%
Memoranda
Average assets$17
Average earning assets$156,331
Average equity $17,960
Average loans $140,094
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1 Georgia Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
0359847Douglas National Bank211 East Ward Street, Douglas, GA 31533November 19, 2001Full Service Brick and Mortar
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