The First National Bank of Dighton in Dighton, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

The First National Bank of Dighton - Overview

  • General
  • 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
    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
  • NoIDNameAddressEstablishedService TypeMap
    03091The First National Bank Of Dighton105 East Log Street, Dighton, KS 67839May 02, 1888Full Service Brick and Mortar

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