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

First National Bank of Dublin - Overview

  • General
  • FDIC Certificate #: 26228
    Status: Active
    Federal Reserve ID: 648550
    Bank Holding Company (Regulatory Top Holder): Dublin Bancshares, Inc. (RSSDID: 1246953, Location: Dublin, TX)
    Date Established: May 07, 1985
    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: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 32565
    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: May 07, 1985
    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: 825 North Patrick Street, Dublin, TX 76446
    County: Erath
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Dallas
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Core Based Statistical Area (CBSA): Stephenville, TX (#44500)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $71.4 mil
    Equity capital: $7.0 mil
    Deposits held in domestic offices: $64.4 mil
    Return on assets (ROA): 1.31% ($0.9 mil)
    Quarterly return on assets: 1.51% ($1.1 mil)
    Return on Equity (ROE): 13.50% ($0.9 mil)
    Quarterly return on equity: 15.50% ($1.1 mil)
    Net income: $0.9 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.31% ($935.9 mil)
    Quarterly Pretax return on assets: 1.51% ($1,078.8 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
  • 31Total employees (full-time equivalent)
  • $71,442Total assets
  • $15,665Cash and due from depository institutions
  • $11,835Interest-bearing balances
  • $4,614Securities
  • $270Federal funds sold & reverse repurchase agreements
  • $47,187Net loans & leases
  • $477Loan loss allowance
  • $0Trading account assets
  • $965Bank premises and fixed assets
  • $120Other real estate owned
  • $0Goodwill and other intangibles
  • $71,442Life insurance assets
  • $2,621All other assets
  • $64,425Total liabilities and capital
  • $64,401Total liabilities
  • $46,441Total deposits
  • $64,401Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $24Subordinated debt
  • $7,017All other liabilities
  • $7,017Total equity capital
  • $7,017Total bank equity capital
  • $0Perpetual preferred stock
  • $867Common stock
  • $1,090Surplus
  • $5,060Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $281Income earned, not collected on loans
  • $0Earning assets
  • $655Long-term assets (5+ years)
  • $63,906Average Assets, year-to-date
  • $8,611Average Assets, quarterly
  • $70,389Volatile liabilities
  • $71,508Insider loans
  • $48,803FHLB advances
  • $71,871Loans and leases held for sale
  • $1,457Unused loan commitments
  • $1,457Tier 1 (core) risk-based capital
  • $6,951Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,444Restructured Loans and leases
  • $884Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,303Total interest income
  • $213Total interest expense
  • $3,090Net interest income
  • $123Provision for loan and lease losses
  • $671Total noninterest income
  • $0Fiduciary activities
  • $450Service charges on deposit accounts
  • $0Trading account gains & fees
  • $221Additional noninterest income
  • $2,713Total noninterest expense
  • $1,634Salaries and employee benefits
  • $291Premises and equipment expense
  • $788Additional noninterest expense
  • $925Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $925Income before extraordinary items
  • $0Extraordinary gains - net
  • $925Net income attributable to bank
  • $0Net charge-offs
  • $925Cash dividends
  • $116Sale, conversion, retirement of capital stock, net
  • $596Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.13%Yield on earning assets
  • 0.33%Cost of funding earning assets
  • 4.80%Net interest margin
  • 1.04%Noninterest income to earning assets
  • 4.21%Noninterest expense to earning assets
  • 1.31%Net operating income to assets
  • 1.31%Return on assets (ROA)
  • 1.31%Pretax return on assets
  • 13.50%Return on equity (ROE)
  • 4.80%Retained earnings to average equity (YTD only)
  • 0.24%Net charge-offs to loans
  • 106.03%Credit loss provision to net charge-offs
  • 9.03%Efficiency ratio
  • 72,135Assets per employee
  • 2.30%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 64.43%Loss allowance to loans
  • 1.00%Loss allowance to noncurrent loans
  • 169.75%Noncurrent assets plus other real estate owned to assets
  • 0.56%Noncurrent loans to loans
  • 0.59%Net loans and leases to deposits
  • 73.27%Net loans and leases to core deposits
  • 74.46%Equity capital to assets
  • 9.82%Core capital (leverage) ratio
  • 9.67%Tier 1 risk-based capital ratio
  • 14.24%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $70,389Average earning assets
  • $6,852Average equity
  • $64,437Average loans

List of branches

  • 3 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    032565First National Bank Of Dublin825 North Patrick Street, Dublin, TX 76446May 07, 1985Full Service Brick and Mortar
    2224101Gustine Branch1 Main Place, Gustine, TX 76455March 09, 1987Full Service Brick and Mortar
    3224102De Leon Branch801 North Fannin, De Leon, TX 76444July 22, 1996Full Service Brick and Mortar

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