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

The Dublin National Bank - Overview

  • General
  • FDIC Certificate #: 3178
    Status: Active
    Federal Reserve ID: 583754
    Date Established: January 31, 1892
    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 #: 2041
    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: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 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: 128 South 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: $27.5 mil
    Equity capital: $3.9 mil
    Deposits held in domestic offices: $23.5 mil
    Return on assets (ROA): 0.28% ($0.1 mil)
    Quarterly return on assets: 0.49% ($0.1 mil)
    Return on Equity (ROE): 1.95% ($0.1 mil)
    Quarterly return on equity: 3.38% ($0.1 mil)
    Net income: $0.1 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.28% ($77.0 mil)
    Quarterly Pretax return on assets: 0.65% ($178.8 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
  • 13Total employees (full-time equivalent)
  • $27,510Total assets
  • $2,980Cash and due from depository institutions
  • $0Interest-bearing balances
  • $12,598Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $11,244Net loans & leases
  • $198Loan loss allowance
  • $0Trading account assets
  • $87Bank premises and fixed assets
  • $213Other real estate owned
  • $0Goodwill and other intangibles
  • $27,510Life insurance assets
  • $388All other assets
  • $23,593Total liabilities and capital
  • $23,535Total liabilities
  • $16,687Total deposits
  • $23,535Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $58Subordinated debt
  • $3,917All other liabilities
  • $3,917Total equity capital
  • $3,917Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $600Surplus
  • $3,117Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $334Income earned, not collected on loans
  • $0Earning assets
  • $150Long-term assets (5+ years)
  • $23,842Average Assets, year-to-date
  • $5,543Average Assets, quarterly
  • $27,080Volatile liabilities
  • $27,086Insider loans
  • $13,620FHLB advances
  • $26,864Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $3,878Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $234Restructured Loans and leases
  • $115Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,050Total interest income
  • $77Total interest expense
  • $973Net interest income
  • $0Provision for loan and lease losses
  • $224Total noninterest income
  • $0Fiduciary activities
  • $170Service charges on deposit accounts
  • $0Trading account gains & fees
  • $54Additional noninterest income
  • $1,120Total noninterest expense
  • $579Salaries and employee benefits
  • $157Premises and equipment expense
  • $384Additional noninterest expense
  • $77Pre-tax net operating income
  • $0Securities gains (losses)
  • $2Applicable income taxes
  • $75Income before extraordinary items
  • $0Extraordinary gains - net
  • $75Net income attributable to bank
  • $0Net charge-offs
  • $75Cash dividends
  • $10Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.40%Yield on earning assets
  • 0.32%Cost of funding earning assets
  • 4.08%Net interest margin
  • 0.94%Noninterest income to earning assets
  • 4.69%Noninterest expense to earning assets
  • 0.28%Net operating income to assets
  • 0.28%Return on assets (ROA)
  • 0.28%Pretax return on assets
  • 1.95%Return on equity (ROE)
  • 1.95%Retained earnings to average equity (YTD only)
  • 0.08%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 7.70%Efficiency ratio
  • 93,567Assets per employee
  • 2.12%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.73%Loss allowance to noncurrent loans
  • 59.28%Noncurrent assets plus other real estate owned to assets
  • 1.99%Noncurrent loans to loans
  • 2.92%Net loans and leases to deposits
  • 47.78%Net loans and leases to core deposits
  • 48.30%Equity capital to assets
  • 14.24%Core capital (leverage) ratio
  • 14.44%Tier 1 risk-based capital ratio
  • 28.47%Total risk-based capital ratio
  • Memoranda
  • $30Average assets
  • $27,080Average earning assets
  • $3,837Average equity
  • $23,872Average loans

List of branches

  • 1 Texas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02041The Dublin National Bank128 South Patrick Street, Dublin, TX 76446January 31, 1892Full Service Brick and Mortar

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