FDIC Certificate #: 4654 Status: Active Federal Reserve ID: 636753 Bank Holding Company (Regulatory Top Holder): Dighton National Bancshares, Inc. (RSSDID: 1066946, Location: Dighton, KS) Date Established: May 02, 1888 WWW:http://www.fnbdighton.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: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 3091 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: June 01, 2010 Last Structure Change Process Date: June 01, 2010 Last Data Update: June 01, 2010 Data Source Date: April 05, 2012
Location
Address: 105 East Log Street, Dighton, KS 67839 County: Lane Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Hays Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: Western
History of Changes
Corrections
Financial Summary
Total assets: $58.8 mil Equity capital: $11.7 mil Deposits held in domestic offices: $47.0 mil Return on assets (ROA): 0.36% ($0.2 mil) Quarterly return on assets: 0.00% ($0.0 mil) Return on Equity (ROE): 1.66% ($0.2 mil) Quarterly return on equity: 0.00% ($0.0 mil) Net income: $0.2 mil Quarterly Net income: $0.0 mil Pretax return on assets: 0.33% ($194.0 mil) Quarterly Pretax return on assets: 0.81% ($476.1 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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)
$58,776Total assets
$11,635Cash and due from depository institutions
$8,975Interest-bearing balances
$23,891Securities
$3,200Federal funds sold & reverse repurchase agreements
$19,435Net loans & leases
$444Loan loss allowance
$0Trading account assets
$74Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$58,776Life insurance assets
$541All other assets
$47,079Total liabilities and capital
$46,955Total liabilities
$32,810Total deposits
$46,955Interest-bearing deposits
$90Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$124Subordinated debt
$11,697All other liabilities
$11,697Total equity capital
$11,697Total bank equity capital
$0Perpetual preferred stock
$100Common stock
$300Surplus
$11,297Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$212Income earned, not collected on loans
$0Earning assets
$417Long-term assets (5+ years)
$55,501Average Assets, year-to-date
$3,854Average Assets, quarterly
$53,813Volatile liabilities
$56,445Insider loans
$27,603FHLB advances
$58,026Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$11,575Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$8,865Restructured Loans and leases
$8,305Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,647Total interest income
$104Total interest expense
$1,543Net interest income
$200Provision for loan and lease losses
$132Total noninterest income
$0Fiduciary activities
$89Service charges on deposit accounts
$0Trading account gains & fees
$43Additional noninterest income
$1,295Total noninterest expense
$805Salaries and employee benefits
$138Premises and equipment expense
$352Additional noninterest expense
$180Pre-tax net operating income
$0Securities gains (losses)
-$13Applicable income taxes
$193Income before extraordinary items
$0Extraordinary gains - net
$193Net income attributable to bank
$0Net charge-offs
$193Cash dividends
$323Sale, conversion, retirement of capital stock, net
$80Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.23%Yield on earning assets
0.20%Cost of funding earning assets
3.03%Net interest margin
0.26%Noninterest income to earning assets
2.54%Noninterest expense to earning assets
0.36%Net operating income to assets
0.36%Return on assets (ROA)
0.33%Pretax return on assets
1.66%Return on equity (ROE)
0.97%Retained earnings to average equity (YTD only)
1.61%Net charge-offs to loans
61.92%Credit loss provision to net charge-offs
1.18%Efficiency ratio
77,313Assets per employee
4.52%Cash dividends to net income (YTD only)
Condition Ratios (%)
41.45%Loss allowance to loans
2.23%Loss allowance to noncurrent loans
209.43%Noncurrent assets plus other real estate owned to assets
0.36%Noncurrent loans to loans
1.07%Net loans and leases to deposits
41.39%Net loans and leases to core deposits
41.65%Equity capital to assets
19.90%Core capital (leverage) ratio
19.95%Tier 1 risk-based capital ratio
41.93%Total risk-based capital ratio
Memoranda
$43Average assets
$53,813Average earning assets
$11,643Average equity
$50,977Average loans
List of branches
1 Kansas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
3091
The First National Bank Of Dighton
105 East Log Street, Dighton, KS 67839
May 02, 1888
Full Service Brick and Mortar
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