First National Bank of Dublin in city_name, state_name - Detailed Financial Reports, Location

First National Bank of Dublin in Dublin, Texas (TX)
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First National Bank of Dublin routing number info

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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
WWW: http://www.bankingfnb.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: 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

No	ID	Name	Address	Established	Service Type
0	32565	First National Bank Of Dublin	825 North Patrick Street, Dublin, TX 76446	May 07, 1985	Full Service Brick and Mortar
2	224101	Gustine Branch	1 Main Place, Gustine, TX 76455	March 09, 1987	Full Service Brick and Mortar
3	224102	De Leon Branch	801 North Fannin, De Leon, TX 76444	July 22, 1996	Full Service Brick and Mortar

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

First National Bank of Dublin - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

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

First National Bank of Dublin - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

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