The First National Bank of Woodsboro in Woodsboro, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

The First National Bank of Woodsboro - Overview

  • General
  • FDIC Certificate #: 5593
    Status: Active
    Federal Reserve ID: 624563
    Date Established: January 01, 1912
    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: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 3807
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion
    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: 320 First Street, Woodsboro, TX 78393
    County: Refugio
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Houston
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $56.1 mil
    Equity capital: $5.4 mil
    Deposits held in domestic offices: $50.7 mil
    Return on assets (ROA): 0.33% ($0.2 mil)
    Quarterly return on assets: 0.12% ($0.1 mil)
    Return on Equity (ROE): 3.27% ($0.2 mil)
    Quarterly return on equity: 1.19% ($0.1 mil)
    Net income: $0.2 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.33% ($185.2 mil)
    Quarterly Pretax return on assets: 0.12% ($67.4 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
  • 15Total employees (full-time equivalent)
  • $56,131Total assets
  • $2,590Cash and due from depository institutions
  • $1,027Interest-bearing balances
  • $21,696Securities
  • $17,475Federal funds sold & reverse repurchase agreements
  • $13,009Net loans & leases
  • $108Loan loss allowance
  • $0Trading account assets
  • $896Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $56,131Life insurance assets
  • $465All other assets
  • $50,721Total liabilities and capital
  • $50,677Total liabilities
  • $33,772Total deposits
  • $50,677Interest-bearing deposits
  • $73Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $44Subordinated debt
  • $5,410All other liabilities
  • $5,410Total equity capital
  • $5,410Total bank equity capital
  • $0Perpetual preferred stock
  • $210Common stock
  • $210Surplus
  • $4,990Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $354Long-term assets (5+ years)
  • $53,207Average Assets, year-to-date
  • $23,823Average Assets, quarterly
  • $46,826Volatile liabilities
  • $52,672Insider loans
  • $19,398FHLB advances
  • $52,054Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $4,397Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $94Restructured Loans and leases
  • $1,354Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,464Total interest income
  • $164Total interest expense
  • $1,300Net interest income
  • $0Provision for loan and lease losses
  • $284Total noninterest income
  • $0Fiduciary activities
  • $161Service charges on deposit accounts
  • $0Trading account gains & fees
  • $123Additional noninterest income
  • $1,429Total noninterest expense
  • $639Salaries and employee benefits
  • $194Premises and equipment expense
  • $596Additional noninterest expense
  • $155Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $155Income before extraordinary items
  • -$2Extraordinary gains - net
  • $153Net income attributable to bank
  • $0Net charge-offs
  • $153Cash dividends
  • -$10Sale, conversion, retirement of capital stock, net
  • $84Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.41%Yield on earning assets
  • 0.38%Cost of funding earning assets
  • 3.03%Net interest margin
  • 0.66%Noninterest income to earning assets
  • 3.33%Noninterest expense to earning assets
  • 0.33%Net operating income to assets
  • 0.33%Return on assets (ROA)
  • 0.33%Pretax return on assets
  • 3.27%Return on equity (ROE)
  • 1.47%Retained earnings to average equity (YTD only)
  • -0.08%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 90,215Assets per employee
  • 3.74%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 54.90%Loss allowance to loans
  • 0.82%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 25.67%Net loans and leases to core deposits
  • 27.70%Equity capital to assets
  • 9.64%Core capital (leverage) ratio
  • 8.45%Tier 1 risk-based capital ratio
  • 22.67%Total risk-based capital ratio
  • Memoranda
  • $23Average assets
  • $46,826Average earning assets
  • $4,681Average equity
  • $42,941Average loans

List of branches

  • 2 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03807The First National Bank Of Woodsboro320 First Street, Woodsboro, TX 78393January 01, 1912Full Service Brick and Mortar
    1505883Refugio Branch403 South Alamo Street, Refugio, TX 78377December 15, 2009Full Service Brick and Mortar

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