FDIC Certificate #: 14508 Status: Active Federal Reserve ID: 903558 Bank Holding Company (Regulatory Top Holder): First Dalhart Bancshares, Inc. (RSSDID: 1135721, Location: Dalhart, TX) Date Established: June 18, 1934 WWW:http://www.fnbdalhart.com Trust Powers Granted: Yes 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) OTS Docket #: 9155 FDIC's unique #: 9065 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: June 23, 1934 Last Structure Change Effective Date: March 31, 2006 Last Structure Change Process Date: November 03, 2006 Last Data Update: November 03, 2006 Data Source Date: April 05, 2012
Location
Address: 302 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 Geographic Region/Area/Territory/Field Office
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $66.1 mil Equity capital: $5.7 mil Deposits held in domestic offices: $59.6 mil Return on assets (ROA): 1.19% ($0.8 mil) Quarterly return on assets: 0.57% ($0.4 mil) Return on Equity (ROE): 14.17% ($0.9 mil) Quarterly return on equity: 6.27% ($0.4 mil) Net income: $0.8 mil Quarterly Net income: $0.1 mil Pretax return on assets: 1.19% ($786.7 mil) Quarterly Pretax return on assets: 0.57% ($376.8 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
14Total employees (full-time equivalent)
$66,111Total assets
$19,863Cash and due from depository institutions
$12,825Interest-bearing balances
$6,793Securities
$0Federal funds sold & reverse repurchase agreements
$37,342Net loans & leases
$548Loan loss allowance
$0Trading account assets
$664Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$66,111Life insurance assets
$1,449All other assets
$60,442Total liabilities and capital
$59,593Total liabilities
$36,734Total deposits
$59,593Interest-bearing deposits
$82Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$787Trading liabilities
$0Other borrowed funds
$62Subordinated debt
$5,669All other liabilities
$5,669Total equity capital
$5,669Total bank equity capital
$0Perpetual preferred stock
$200Common stock
$700Surplus
$4,769Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$376Long-term assets (5+ years)
$56,960Average Assets, year-to-date
$5,797Average Assets, quarterly
$62,935Volatile liabilities
$63,782Insider loans
$41,777FHLB advances
$64,035Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$5,513Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$0Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,583Total interest income
$269Total interest expense
$2,314Net interest income
$0Provision for loan and lease losses
$104Total noninterest income
$0Fiduciary activities
$44Service charges on deposit accounts
$0Trading account gains & fees
$60Additional noninterest income
$1,671Total noninterest expense
$943Salaries and employee benefits
$128Premises and equipment expense
$600Additional noninterest expense
$747Pre-tax net operating income
$4Securities gains (losses)
$0Applicable income taxes
$751Income before extraordinary items
$0Extraordinary gains - net
$751Net income attributable to bank
$0Net charge-offs
$751Cash dividends
$0Sale, conversion, retirement of capital stock, net
$320Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.66%Yield on earning assets
0.49%Cost of funding earning assets
4.18%Net interest margin
0.19%Noninterest income to earning assets
3.02%Noninterest expense to earning assets
1.19%Net operating income to assets
1.19%Return on assets (ROA)
1.19%Pretax return on assets
14.17%Return on equity (ROE)
8.13%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
69,107Assets per employee
4.72%Cash dividends to net income (YTD only)
Condition Ratios (%)
42.61%Loss allowance to loans
1.45%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
62.66%Net loans and leases to core deposits
64.48%Equity capital to assets
8.57%Core capital (leverage) ratio
8.61%Tier 1 risk-based capital ratio
13.20%Total risk-based capital ratio
Memoranda
$14Average assets
$62,935Average earning assets
$5,302Average equity
$55,396Average loans
List of branches
1 Texas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
9065
First National Bank In Dalhart
302 Denrock Avenue, Dalhart, TX 79022
June 18, 1934
Full Service Brick and Mortar
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