Douglas National Bank in Douglas, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

Douglas National Bank - Overview

  • General
  • FDIC 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
    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
  • Location
  • Address: 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 Summary
  • Total 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
  • 30Total employees (full-time equivalent)
  • $156,075Total assets
  • $8,274Cash and due from depository institutions
  • $1,306Interest-bearing balances
  • $12,401Securities
  • $5,980Federal funds sold & reverse repurchase agreements
  • $120,529Net loans & leases
  • $1,806Loan loss allowance
  • $0Trading account assets
  • $2,075Bank premises and fixed assets
  • $2,096Other real estate owned
  • $0Goodwill and other intangibles
  • $156,075Life insurance assets
  • $4,720All other assets
  • $137,304Total liabilities and capital
  • $136,121Total liabilities
  • $119,489Total deposits
  • $136,121Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $636Trading liabilities
  • $0Other borrowed funds
  • $547Subordinated debt
  • $18,771All other liabilities
  • $18,771Total equity capital
  • $18,771Total bank equity capital
  • $0Perpetual preferred stock
  • $2,900Common stock
  • $5,600Surplus
  • $10,271Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,308Income earned, not collected on loans
  • $0Earning assets
  • $1,458Long-term assets (5+ years)
  • $140,216Average Assets, year-to-date
  • $16,997Average Assets, quarterly
  • $156,331Volatile liabilities
  • $153,257Insider loans
  • $120,365FHLB advances
  • $153,154Loans and leases held for sale
  • $2,307Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $18,434Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $2,307Total unused commitments
  • $6,840Restructured Loans and leases
  • $5,512Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $8,856Total interest income
  • $1,887Total interest expense
  • $6,969Net interest income
  • $1,100Provision for loan and lease losses
  • $1,142Total noninterest income
  • $0Fiduciary activities
  • $802Service charges on deposit accounts
  • $0Trading account gains & fees
  • $340Additional noninterest income
  • $4,266Total noninterest expense
  • $2,185Salaries and employee benefits
  • $250Premises and equipment expense
  • $1,831Additional noninterest expense
  • $2,745Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $2,745Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,745Net income attributable to bank
  • $0Net charge-offs
  • $2,745Cash dividends
  • $1,102Sale, conversion, retirement of capital stock, net
  • $1,389Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.32%Yield on earning assets
  • 1.35%Cost of funding earning assets
  • 4.97%Net interest margin
  • 0.82%Noninterest income to earning assets
  • 3.05%Noninterest expense to earning assets
  • 1.76%Net operating income to assets
  • 1.76%Return on assets (ROA)
  • 1.76%Pretax return on assets
  • 15.28%Return on equity (ROE)
  • 7.55%Retained earnings to average equity (YTD only)
  • 0.89%Net charge-offs to loans
  • 99.82%Credit loss provision to net charge-offs
  • 3.49%Efficiency ratio
  • 52,595Assets per employee
  • 5.20%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 50.60%Loss allowance to loans
  • 1.48%Loss allowance to noncurrent loans
  • 138.07%Noncurrent assets plus other real estate owned to assets
  • 2.18%Noncurrent loans to loans
  • 1.07%Net loans and leases to deposits
  • 88.55%Net loans and leases to core deposits
  • 99.53%Equity capital to assets
  • 12.03%Core capital (leverage) ratio
  • 12.04%Tier 1 risk-based capital ratio
  • 15.32%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $156,331Average earning assets
  • $17,960Average equity
  • $140,094Average loans

List of branches

  • 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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