The First National Bank of Woodsboro in Woodsboro, Texas (TX)



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The First National Bank of Woodsboro routing number info

Table of contents:
The First National Bank of Woodsboro
GeneralFDIC Certificate #: 5593
Status: Active
Federal Reserve ID: 624563
Date Established: January 01, 1912
WWW: http://www.fnbwoodsboro.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: 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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)15
Total assets$56,131
Cash and due from depository institutions$2,590
Interest-bearing balances$1,027
Securities$21,696
Federal funds sold & reverse repurchase agreements$17,475
Net loans & leases$13,009
Loan loss allowance $108
Trading account assets$0
Bank premises and fixed assets$896
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$465
Life insurance assets$56,131
Total liabilities and capital$50,721
Total liabilities$50,677
Total deposits$33,772
Interest-bearing deposits$50,677
Deposits held in domestic offices$73
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $44
All other liabilities $5,410
Total equity capital$5,410
Total bank equity capital$5,410
Perpetual preferred stock$0
Common stock$210
Surplus$210
Undivided profits $4,990
Memoranda
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 $0
Earning assets $0
Long-term assets (5+ years) $354
Average Assets, year-to-date $53,207
Average Assets, quarterly $23,823
Volatile liabilities $46,826
Insider loans $52,672
FHLB advances $19,398
Loans and leases held for sale $52,054
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $4,397
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $94
Derivatives$1,354
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $1,464
Total interest expense $164
Net interest income $1,300
Provision for loan and lease losses $0
Total noninterest income $284
Fiduciary activities $0
Service charges on deposit accounts $161
Trading account gains & fees $0
Additional noninterest income $123
Total noninterest expense $1,429
Salaries and employee benefits $639
Premises and equipment expense $194
Additional noninterest expense $596
Pre-tax net operating income $155
Securities gains (losses) $0
Applicable income taxes $0
Income before extraordinary items $155
Extraordinary gains - net -$2
Net income attributable to bank $153
Net charge-offs $0
Cash dividends $153
Sale, conversion, retirement of capital stock, net -$10
Net operating income $84
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets3.41%
Cost of funding earning assets 0.38%
Net interest margin 3.03%
Noninterest income to earning assets 0.66%
Noninterest expense to earning assets 3.33%
Net operating income to assets 0.33%
Return on assets (ROA) 0.33%
Pretax return on assets 0.33%
Return on equity (ROE) 3.27%
Retained earnings to average equity (YTD only) 1.47%
Net charge-offs to loans -0.08%
Credit loss provision to net charge-offs 0.00%
Efficiency ratio0.00%
Assets per employee$90,215
Cash dividends to net income (YTD only)3.74%
Condition Ratios (%)
Loss allowance to loans 54.90%
Loss allowance to noncurrent loans 0.82%
Noncurrent assets plus other real estate owned to assets 0.00%
Noncurrent loans to loans 0.00%
Net loans and leases to deposits0.00%
Net loans and leases to core deposits 25.67%
Equity capital to assets 27.70%
Core capital (leverage) ratio 9.64%
Tier 1 risk-based capital ratio 8.45%
Total risk-based capital ratio 22.67%
Memoranda
Average assets$23
Average earning assets$46,826
Average equity $4,681
Average loans $42,941
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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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