Wood & Huston Bank in Marshall, Missouri (MO)
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| Wood & Huston Bank | |
|---|---|
| General | FDIC 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 |
| Location | Address: 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 Changes | Merge BIF and SAIF Funds into DIF |
| Financial Summary | Total 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) |
| 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 |
| 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 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 5.16% |
| 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 ratio | 4.18% |
| 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 deposits | 1.64% |
| 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 |
| 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 Accounts | 1 |
| Fiduciary powers granted | Yes |
| Fiduciary or related activity | Yes |
| Managed Assets | $24,060 |
| Number of Accounts | 1 |
| 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 Accounts | 43 |
| 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 |
| 10 Missouri Branches as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 710 | Wood & Huston Bank | 27 East North Street, Marshall, MO 65340 | Febuary 12, 1874 | Full Service Brick and Mortar |  |
| 1 | 187805 | Drive-In Branch | 27 East North Street, Marshall, MO 65340 | November 01, 1965 | Limited Service Facility |  |
| 2 | 187806 | Drive-In Facility | 150 South Miami Avenue, Marshall, MO 65340 | April 21, 1975 | Full Service Brick and Mortar | |
| 3 | 187807 | Springfield Branch | 204 West Primrose, Springfield, MO 65807 | March 24, 1994 | Full Service Brick and Mortar | |
| 5 | 16349 | 111 South Broadview Street Branch | 111 South Broadview Street, Cape Girardeau, MO 63701 | Febuary 02, 1981 | Full Service Brick and Mortar | |
| 6 | 16023 | 1319 N Porter Wagoner Blvd Branch | 1319 North Porter Wagoner Boulevard, West Plains, MO 65775 | August 01, 1979 | Full Service Brick and Mortar | |
| 7 | 255589 | 1310 Preacher Roe Branch | 1310 Preacher Roe, West Plains, MO 65775 | July 17, 1995 | Full Service Retail | |
| 8 | 187809 | Marshall Branch | 208 East Morrow, Marshall, MO 65340 | December 23, 1998 | Full Service Brick and Mortar | |
| 9 | 439693 | Wood & Huston Bank - Wal Mart Branch | 855 South Cherokee, Marshall, MO 65340 | March 23, 2005 | Full Service Retail | |
| 10 | 465564 | Jackson Branch | 2999 E. Jackson Blvd, Jackson, MO 63755 | September 23, 2006 | Full Service Brick and Mortar | |
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