The Dublin National Bank

The Dublin National Bank is headquartered in Dublin and is the 579^th largest bank in the state of Texas. It is also the 6,992^nd largest bank in the nation. It was established in 1892 and as of March of 2012, it had grown to 13 employees at 1 location. The Dublin National Bank has a 4-star health rating.

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The Dublin National Bank IRA Rates

Data for Q1 2012

Institution Statistics The Dublin National Bank FDIC Certificate # 3178 BankRate Report View Year Established 1892 Employees 13 Primary Regulator OCC Assets and Liabilities Assets $28.31 million Loans $10.93 million Deposits $24.39 million Equity Capital $3.86 million Loan Loss Allowance $198,000 Unbacked Noncurrent Loans $647,000 Real Estate Owned $125,000 Historic Data - March 2011 Assets $26.57 million Equity Capital $3.77 million Loan Loss Allowance $207,000 Unbacked Noncurrent Loans $145,000 Real Estate Owned $218,000 Profit Margin - Quarterly Net Interest Margin 4.15% Return on Assets -0.85% Return on Equity -6.07% Interest Income $260,000

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 The Dublin National Bank had $772,000 in non-current loans and owned real-estate with $4.06 million in equity and loan loss allowances on hand to cover it. This gives The Dublin National Bank a Texas Ratio of 19.02% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for The Dublin National Bank increased slightly from 9.13% as of March 31, 2011 to 19.02% as of March 31, 2012, resulting in a negative change of 108.27%. This indicates that the balance sheet and financial strength for The Dublin National Bank has declined slightly in recent periods. Deposit Growth In the past year, The Dublin National Bank has increased its total deposits by $1.66 million, resulting in 7.28% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth The Dublin National Bank has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. The Dublin National Bank has $28.31 million in assets with $4.06 million in equity, resulting in a capitalization level of 14.34%, which is excellent.

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