Woodlands Bank in Williamsport, Pennsylvania (PA)



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Table of contents:
Woodlands Bank
GeneralFDIC Certificate #: 33136
Status: Active
Federal Reserve ID: 1479470
Bank Holding Company (Regulatory Top Holder): Woodlands Financial Service Company (RSSDID: 3014950, Location: Williamsport, PA)
Date Established: October 10, 1990
WWW: http://www.woodlandsbank.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 6 (Domestic: 6, Interstate: No)
OTS Docket #: 10315
FDIC's unique #: 46371
Numeric code: 13
Regulator: FED
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: Commercial Lending Specialization
Date of Deposit Insurance: October 10, 1990
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: 2450 East Third Street, Williamsport, PA 17701
County: Lycoming
Quarterly Banking Profile Region: New York
FDIC Geographic Region: New York
FDIC Supervisory Region: New York
FDIC Field Office: Harrisburg
Office of the Comptroller the Currency (OCC) District: Northeast
Office of Thrift Supervision Region: Northeast
Metropolitan Statistical Area (MSA): Williamsport, PA (#9140)
Combined Statistical Area (CSA): Williamsport-Lock Haven, PA (#558)
Core Based Statistical Area (CBSA): Williamsport, PA (#48700)
CBSA Metro Statistical Area: Williamsport, PA (#48700)
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $313.6 mil
Equity capital: $25.5 mil
Deposits held in domestic offices: $266.0 mil
Return on assets (ROA): 1.05% ($3.3 mil)
Quarterly return on assets: 1.10% ($3.5 mil)
Return on Equity (ROE): 13.21% ($3.4 mil)
Quarterly return on equity: 13.65% ($3.5 mil)
Net income: $3.2 mil
Quarterly Net income: $0.9 mil
Pretax return on assets: 1.41% ($4,422.4 mil)
Quarterly Pretax return on assets: 1.50% ($4,704.7 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)86
Total assets$313,644
Cash and due from depository institutions$27,505
Interest-bearing balances$21,931
Securities$74,234
Federal funds sold & reverse repurchase agreements$103
Net loans & leases$197,966
Loan loss allowance $3,912
Trading account assets$0
Bank premises and fixed assets$4,289
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$9,547
Life insurance assets$313,644
Total liabilities and capital$288,138
Total liabilities$265,994
Total deposits$216,837
Interest-bearing deposits$265,994
Deposits held in domestic offices$87
% insured (estimated)9592.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$10,632
Other borrowed funds $0
Subordinated debt $1,920
All other liabilities $25,506
Total equity capital$25,506
Total bank equity capital$25,506
Perpetual preferred stock$0
Common stock$7,323
Surplus$3,559
Undivided profits $14,624
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 $4,029
Earning assets $633
Long-term assets (5+ years) $962
Average Assets, year-to-date $294,234
Average Assets, quarterly $110,659
Volatile liabilities $300,322
Insider loans $312,759
FHLB advances $203,195
Loans and leases held for sale $311,982
Unused loan commitments $4,152
Tier 1 (core) risk-based capital $4,152
Tier 2 risk-based capital $24,195
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $55,391
Derivatives$22,465
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $13,293
Total interest expense $3,053
Net interest income $10,240
Provision for loan and lease losses -$184
Total noninterest income $2,623
Fiduciary activities $818
Service charges on deposit accounts $528
Trading account gains & fees $0
Additional noninterest income $1,277
Total noninterest expense $8,844
Salaries and employee benefits $5,164
Premises and equipment expense $1,152
Additional noninterest expense $2,528
Pre-tax net operating income $4,203
Securities gains (losses) $37
Applicable income taxes $1,088
Income before extraordinary items $3,152
Extraordinary gains - net $0
Net income attributable to bank $3,152
Net charge-offs $0
Cash dividends $3,152
Sale, conversion, retirement of capital stock, net $8
Net operating income $843
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.72%
Cost of funding earning assets 1.08%
Net interest margin 3.64%
Noninterest income to earning assets 0.93%
Noninterest expense to earning assets 3.14%
Net operating income to assets 1.04%
Return on assets (ROA) 1.05%
Pretax return on assets 1.41%
Return on equity (ROE) 13.21%
Retained earnings to average equity (YTD only) 9.68%
Net charge-offs to loans 0.00%
Credit loss provision to net charge-offs -2300.00%
Efficiency ratio502.38%
Assets per employee$68,755
Cash dividends to net income (YTD only)3.65%
Condition Ratios (%)
Loss allowance to loans 26.74%
Loss allowance to noncurrent loans 1.94%
Noncurrent assets plus other real estate owned to assets 97.10%
Noncurrent loans to loans 1.28%
Net loans and leases to deposits2.00%
Net loans and leases to core deposits 74.42%
Equity capital to assets 80.68%
Core capital (leverage) ratio 8.13%
Tier 1 risk-based capital ratio 7.76%
Total risk-based capital ratio 11.91%
Memoranda
Average assets$13
Average earning assets$300,322
Average equity $23,855
Average loans $281,383
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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$152,472
Number of Accounts1
Personal trust and agency accounts$143,641
Employee benefit-defined contribution accounts$92,204
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$7,287
Investment management agency accounts$0
Other fiduciary accounts$26,959
Fiduciary accounts held in foreign offices$17,191
Non-managed Assets$0
Number of Accounts360
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$7,287
Employee benefit-defined benefit accounts$0
Other retirement accounts$8,831
Corporate trust and agency accounts$1,261
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$6,389
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6 Pennsylvania Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
046371Woodlands Bank2450 East Third Street, Williamsport, PA 17701October 10, 1990Full Service Brick and Mortar
1289256West Southern Avenue Branch618 West Southern Avenue, South, Williamsport, PA 17701April 20, 1998Full Service Brick and Mortar
2289257213 West Fourth Street Branch213 West Fourth Street, Williamsport, PA 17701November 05, 1999Full Service Brick and Mortar
3419352Halls Station Office Branch973 Lycoming Mall Drive, Pennsdale, PA 17756May 19, 2003Full Service Brick and Mortar
4442351Jersey Shore Office Branch1146 Allegheny Street, Jersey Shore, PA 17740June 15, 2005Full Service Brick and Mortar
5453072Newberry Office Branch1980 West Fourth Street, Williamsport, PA 17701April 21, 2006Full Service Brick and Mortar
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