First National Bank in Dalhart in Dalhart, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • First National Bank in Dalhart in Dalhart, Texas (TX)
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First National Bank in Dalhart - Overview

  • General
  • 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
    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
  • NoIDNameAddressEstablishedService TypeMap
    09065First National Bank In Dalhart302 Denrock Avenue, Dalhart, TX 79022June 18, 1934Full Service Brick and Mortar

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