Wood & Huston Bank in Marshall, Missouri (MO)



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Wood & Huston Bank routing number info

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Wood & Huston Bank
GeneralFDIC Certificate #: 1060
Status: Active
Federal Reserve ID: 671558
Bank Holding Company (Regulatory Top Holder): Wood & Huston Bancorporation, Inc. (RSSDID: 1058558, Location: Marshall, MO)
Date Established: Febuary 12, 1874
WWW: http://www.woodhuston.com
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 10 (Domestic: 10, Interstate: No)
OTS Docket #: 12938
FDIC's unique #: 710
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: Yes
Asset Concentration Hierarchy: Commercial Lending Specialization
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: 27 East North Street, Marshall, MO 65340
County: Saline
Quarterly Banking Profile Region: Kansas City
FDIC Geographic Region: Kansas City
FDIC Supervisory Region: Kansas City
FDIC Field Office: Columbia Mo
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: West
Core Based Statistical Area (CBSA): Marshall, MO (#32180)
CBSA Micro Statistical Area: Yes
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $487.4 mil
Equity capital: $53.2 mil
Deposits held in domestic offices: $429.0 mil
Return on assets (ROA): 1.58% ($7.7 mil)
Quarterly return on assets: 1.26% ($6.1 mil)
Return on Equity (ROE): 14.73% ($7.8 mil)
Quarterly return on equity: 11.39% ($6.0 mil)
Net income: $7.6 mil
Quarterly Net income: $1.5 mil
Pretax return on assets: 1.58% ($7,701.5 mil)
Quarterly Pretax return on assets: 1.26% ($6,141.7 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)156
Total assets$487,435
Cash and due from depository institutions$16,789
Interest-bearing balances$6,975
Securities$60,812
Federal funds sold & reverse repurchase agreements$2,444
Net loans & leases$377,798
Loan loss allowance $6,960
Trading account assets$0
Bank premises and fixed assets$5,336
Other real estate owned$2,623
Goodwill and other intangibles$0
All other assets$21,633
Life insurance assets$487,435
Total liabilities and capital$434,267
Total liabilities$428,996
Total deposits$356,549
Interest-bearing deposits$428,996
Deposits held in domestic offices$93
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$4,100
Other borrowed funds $0
Subordinated debt $1,171
All other liabilities $53,168
Total equity capital$53,168
Total bank equity capital$53,168
Perpetual preferred stock$0
Common stock$800
Surplus$6,533
Undivided profits $45,835
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $1,053
Income earned, not collected on loans $6,314
Earning assets $0
Long-term assets (5+ years) $3,562
Average Assets, year-to-date $448,029
Average Assets, quarterly $16,874
Volatile liabilities $484,120
Insider loans $488,367
FHLB advances $378,047
Loans and leases held for sale $483,653
Unused loan commitments $12,817
Tier 1 (core) risk-based capital $12,817
Tier 2 risk-based capital $49,614
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $67,069
Derivatives$1,173
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $23,102
Total interest expense $3,807
Net interest income $19,295
Provision for loan and lease losses $2,735
Total noninterest income $5,587
Fiduciary activities $253
Service charges on deposit accounts $2,828
Trading account gains & fees $0
Additional noninterest income $2,506
Total noninterest expense $14,587
Salaries and employee benefits $8,540
Premises and equipment expense $955
Additional noninterest expense $5,092
Pre-tax net operating income $7,560
Securities gains (losses) $73
Applicable income taxes $0
Income before extraordinary items $7,633
Extraordinary gains - net $0
Net income attributable to bank $7,633
Net charge-offs $0
Cash dividends $7,633
Sale, conversion, retirement of capital stock, net $2,465
Net operating income $3,792
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.16%
Cost of funding earning assets 0.85%
Net interest margin 4.31%
Noninterest income to earning assets 1.25%
Noninterest expense to earning assets 3.26%
Net operating income to assets 1.56%
Return on assets (ROA) 1.58%
Pretax return on assets 1.58%
Return on equity (ROE) 14.73%
Retained earnings to average equity (YTD only) 7.41%
Net charge-offs to loans 0.65%
Credit loss provision to net charge-offs 110.95%
Efficiency ratio4.18%
Assets per employee$58,625
Cash dividends to net income (YTD only)3.12%
Condition Ratios (%)
Loss allowance to loans 49.68%
Loss allowance to noncurrent loans 1.81%
Noncurrent assets plus other real estate owned to assets 110.23%
Noncurrent loans to loans 1.83%
Net loans and leases to deposits1.64%
Net loans and leases to core deposits 88.07%
Equity capital to assets 89.35%
Core capital (leverage) ratio 10.91%
Tier 1 risk-based capital ratio 10.26%
Total risk-based capital ratio 13.12%
Memoranda
Average assets$15
Average earning assets$484,120
Average equity $51,805
Average loans $447,694
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$24,060
Number of Accounts1
Personal trust and agency accounts$24,060
Employee benefit-defined contribution accounts$23,109
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$0
Other fiduciary accounts$951
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts43
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
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10 Missouri Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
0710Wood & Huston Bank27 East North Street, Marshall, MO 65340Febuary 12, 1874Full Service Brick and Mortar
1187805Drive-In Branch27 East North Street, Marshall, MO 65340November 01, 1965Limited Service Facility
2187806Drive-In Facility150 South Miami Avenue, Marshall, MO 65340April 21, 1975Full Service Brick and Mortar
3187807Springfield Branch204 West Primrose, Springfield, MO 65807March 24, 1994Full Service Brick and Mortar
516349111 South Broadview Street Branch111 South Broadview Street, Cape Girardeau, MO 63701Febuary 02, 1981Full Service Brick and Mortar
6160231319 N Porter Wagoner Blvd Branch1319 North Porter Wagoner Boulevard, West Plains, MO 65775August 01, 1979Full Service Brick and Mortar
72555891310 Preacher Roe Branch1310 Preacher Roe, West Plains, MO 65775July 17, 1995Full Service Retail
8187809Marshall Branch208 East Morrow, Marshall, MO 65340December 23, 1998Full Service Brick and Mortar
9439693Wood & Huston Bank - Wal Mart Branch855 South Cherokee, Marshall, MO 65340March 23, 2005Full Service Retail
10465564Jackson Branch2999 E. Jackson Blvd, Jackson, MO 63755September 23, 2006Full Service Brick and Mortar
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