The First National Bank of Dighton in Dighton, Kansas (KS)

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The First National Bank of Dighton routing number info

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The First National Bank of Dighton
GeneralFDIC 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
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
LocationAddress: 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 ChangesCorrections
Financial SummaryTotal 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)
Total employees (full-time equivalent)13
Total assets$58,776
Cash and due from depository institutions$11,635
Interest-bearing balances$8,975
Federal funds sold & reverse repurchase agreements$3,200
Net loans & leases$19,435
Loan loss allowance $444
Trading account assets$0
Bank premises and fixed assets$74
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$541
Life insurance assets$58,776
Total liabilities and capital$47,079
Total liabilities$46,955
Total deposits$32,810
Interest-bearing deposits$46,955
Deposits held in domestic offices$90
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $124
All other liabilities $11,697
Total equity capital$11,697
Total bank equity capital$11,697
Perpetual preferred stock$0
Common stock$100
Undivided profits $11,297
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $212
Earning assets $0
Long-term assets (5+ years) $417
Average Assets, year-to-date $55,501
Average Assets, quarterly $3,854
Volatile liabilities $53,813
Insider loans $56,445
FHLB advances $27,603
Loans and leases held for sale $58,026
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $11,575
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $8,865
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $1,647
Total interest expense $104
Net interest income $1,543
Provision for loan and lease losses $200
Total noninterest income $132
Fiduciary activities $0
Service charges on deposit accounts $89
Trading account gains & fees $0
Additional noninterest income $43
Total noninterest expense $1,295
Salaries and employee benefits $805
Premises and equipment expense $138
Additional noninterest expense $352
Pre-tax net operating income $180
Securities gains (losses) $0
Applicable income taxes -$13
Income before extraordinary items $193
Extraordinary gains - net $0
Net income attributable to bank $193
Net charge-offs $0
Cash dividends $193
Sale, conversion, retirement of capital stock, net $323
Net operating income $80
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets3.23%
Cost of funding earning assets 0.20%
Net interest margin 3.03%
Noninterest income to earning assets 0.26%
Noninterest expense to earning assets 2.54%
Net operating income to assets 0.36%
Return on assets (ROA) 0.36%
Pretax return on assets 0.33%
Return on equity (ROE) 1.66%
Retained earnings to average equity (YTD only) 0.97%
Net charge-offs to loans 1.61%
Credit loss provision to net charge-offs 61.92%
Efficiency ratio1.18%
Assets per employee$77,313
Cash dividends to net income (YTD only)4.52%
Condition Ratios (%)
Loss allowance to loans 41.45%
Loss allowance to noncurrent loans 2.23%
Noncurrent assets plus other real estate owned to assets 209.43%
Noncurrent loans to loans 0.36%
Net loans and leases to deposits1.07%
Net loans and leases to core deposits 41.39%
Equity capital to assets 41.65%
Core capital (leverage) ratio 19.90%
Tier 1 risk-based capital ratio 19.95%
Total risk-based capital ratio 41.93%
Average assets$43
Average earning assets$53,813
Average equity $11,643
Average loans $50,977
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1 Kansas Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
03091The First National Bank Of Dighton105 East Log Street, Dighton, KS 67839May 02, 1888Full Service Brick and Mortar
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