The Oakwood State Bank in Oakwood, Texas (TX)



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The Oakwood State Bank routing number info

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The Oakwood State Bank
GeneralFDIC Certificate #: 10334
Status: Active
Federal Reserve ID: 960560
Date Established: January 01, 1900
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 1 (Domestic: 1, Interstate: No)
FDIC's unique #: 6620
Numeric code: 21
Regulator: FDIC
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: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: August 20, 2010
Last Structure Change Process Date: August 26, 2010
Last Data Update: August 26, 2010
Data Source Date: April 05, 2012
LocationAddress: 300 Main Street, Oakwood, TX 75855
County: Leon
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
Financial SummaryTotal assets: $4.3 mil
Equity capital: $1.0 mil
Deposits held in domestic offices: $3.3 mil
Return on assets (ROA): 2.37% ($0.1 mil)
Quarterly return on assets: 3.75% ($0.1 mil)
Return on Equity (ROE): 10.22% ($0.1 mil)
Quarterly return on equity: 17.11% ($0.2 mil)
Net income: $0.1 mil
Quarterly Net income: $0.0 mil
Pretax return on assets: 2.37% ($101.9 mil)
Quarterly Pretax return on assets: 3.75% ($161.2 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)2
Total assets$4,299
Cash and due from depository institutions$511
Interest-bearing balances$0
Securities$1,911
Federal funds sold & reverse repurchase agreements$1,235
Net loans & leases$599
Loan loss allowance $14
Trading account assets$0
Bank premises and fixed assets$12
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$31
Life insurance assets$4,299
Total liabilities and capital$3,344
Total liabilities$3,334
Total deposits$0
Interest-bearing deposits$3,334
Deposits held in domestic offices$100
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $10
All other liabilities $955
Total equity capital$955
Total bank equity capital$955
Perpetual preferred stock$0
Common stock$25
Surplus$50
Undivided profits $880
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 $1
Earning assets $0
Long-term assets (5+ years) $18
Average Assets, year-to-date $3,745
Average Assets, quarterly $0
Volatile liabilities $3,874
Insider loans $4,261
FHLB advances $964
Loans and leases held for sale $4,234
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $955
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $0
Derivatives$0
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $97
Total interest expense $0
Net interest income $97
Provision for loan and lease losses $12
Total noninterest income $155
Fiduciary activities $0
Service charges on deposit accounts $81
Trading account gains & fees $0
Additional noninterest income $74
Total noninterest expense $148
Salaries and employee benefits $45
Premises and equipment expense $14
Additional noninterest expense $89
Pre-tax net operating income $92
Securities gains (losses) $0
Applicable income taxes $0
Income before extraordinary items $92
Extraordinary gains - net $0
Net income attributable to bank $92
Net charge-offs $0
Cash dividends $92
Sale, conversion, retirement of capital stock, net $2
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets2.87%
Cost of funding earning assets 0.00%
Net interest margin 2.87%
Noninterest income to earning assets 4.59%
Noninterest expense to earning assets 4.38%
Net operating income to assets 2.37%
Return on assets (ROA) 2.37%
Pretax return on assets 2.37%
Return on equity (ROE) 10.22%
Retained earnings to average equity (YTD only) 10.22%
Net charge-offs to loans 0.42%
Credit loss provision to net charge-offs 600.00%
Efficiency ratio52.00%
Assets per employee$58,730
Cash dividends to net income (YTD only)2.15%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 2.28%
Noncurrent assets plus other real estate owned to assets 1400.00%
Noncurrent loans to loans 0.02%
Net loans and leases to deposits0.16%
Net loans and leases to core deposits 17.97%
Equity capital to assets 17.97%
Core capital (leverage) ratio 22.21%
Tier 1 risk-based capital ratio 22.56%
Total risk-based capital ratio 99.07%
Memoranda
Average assets$101
Average earning assets$3,874
Average equity $900
Average loans $3,376
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1 Texas Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
06620The Oakwood State Bank300 Main Street, Oakwood, TX 75855January 01, 1900Full Service Brick and Mortar
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