Wood & Huston Bank in Marshall, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

Wood & Huston Bank - Overview

  • 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)

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
  • 156Total employees (full-time equivalent)
  • $487,435Total assets
  • $16,789Cash and due from depository institutions
  • $6,975Interest-bearing balances
  • $60,812Securities
  • $2,444Federal funds sold & reverse repurchase agreements
  • $377,798Net loans & leases
  • $6,960Loan loss allowance
  • $0Trading account assets
  • $5,336Bank premises and fixed assets
  • $2,623Other real estate owned
  • $0Goodwill and other intangibles
  • $487,435Life insurance assets
  • $21,633All other assets
  • $434,267Total liabilities and capital
  • $428,996Total liabilities
  • $356,549Total deposits
  • $428,996Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $4,100Trading liabilities
  • $0Other borrowed funds
  • $1,171Subordinated debt
  • $53,168All other liabilities
  • $53,168Total equity capital
  • $53,168Total bank equity capital
  • $0Perpetual preferred stock
  • $800Common stock
  • $6,533Surplus
  • $45,835Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $1,053Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $6,314Income earned, not collected on loans
  • $0Earning assets
  • $3,562Long-term assets (5+ years)
  • $448,029Average Assets, year-to-date
  • $16,874Average Assets, quarterly
  • $484,120Volatile liabilities
  • $488,367Insider loans
  • $378,047FHLB advances
  • $483,653Loans and leases held for sale
  • $12,817Unused loan commitments
  • $12,817Tier 1 (core) risk-based capital
  • $49,614Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $67,069Restructured Loans and leases
  • $1,173Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $23,102Total interest income
  • $3,807Total interest expense
  • $19,295Net interest income
  • $2,735Provision for loan and lease losses
  • $5,587Total noninterest income
  • $253Fiduciary activities
  • $2,828Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,506Additional noninterest income
  • $14,587Total noninterest expense
  • $8,540Salaries and employee benefits
  • $955Premises and equipment expense
  • $5,092Additional noninterest expense
  • $7,560Pre-tax net operating income
  • $73Securities gains (losses)
  • $0Applicable income taxes
  • $7,633Income before extraordinary items
  • $0Extraordinary gains - net
  • $7,633Net income attributable to bank
  • $0Net charge-offs
  • $7,633Cash dividends
  • $2,465Sale, conversion, retirement of capital stock, net
  • $3,792Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.16%Yield on earning assets
  • 0.85%Cost of funding earning assets
  • 4.31%Net interest margin
  • 1.25%Noninterest income to earning assets
  • 3.26%Noninterest expense to earning assets
  • 1.56%Net operating income to assets
  • 1.58%Return on assets (ROA)
  • 1.58%Pretax return on assets
  • 14.73%Return on equity (ROE)
  • 7.41%Retained earnings to average equity (YTD only)
  • 0.65%Net charge-offs to loans
  • 110.95%Credit loss provision to net charge-offs
  • 4.18%Efficiency ratio
  • 58,625Assets per employee
  • 3.12%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 49.68%Loss allowance to loans
  • 1.81%Loss allowance to noncurrent loans
  • 110.23%Noncurrent assets plus other real estate owned to assets
  • 1.83%Noncurrent loans to loans
  • 1.64%Net loans and leases to deposits
  • 88.07%Net loans and leases to core deposits
  • 89.35%Equity capital to assets
  • 10.91%Core capital (leverage) ratio
  • 10.26%Tier 1 risk-based capital ratio
  • 13.12%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $484,120Average earning assets
  • $51,805Average equity
  • $447,694Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $24,060Managed Assets
  • 1Number of Accounts
  • $24,060Personal trust and agency accounts
  • $23,109Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $951Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 43Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 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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