Woodlands Bank in Williamsport, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches


Woodlands Bank - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 86Total employees (full-time equivalent)
  • $313,644Total assets
  • $27,505Cash and due from depository institutions
  • $21,931Interest-bearing balances
  • $74,234Securities
  • $103Federal funds sold & reverse repurchase agreements
  • $197,966Net loans & leases
  • $3,912Loan loss allowance
  • $0Trading account assets
  • $4,289Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $313,644Life insurance assets
  • $9,547All other assets
  • $288,138Total liabilities and capital
  • $265,994Total liabilities
  • $216,837Total deposits
  • $265,994Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 9592.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $10,632Trading liabilities
  • $0Other borrowed funds
  • $1,920Subordinated debt
  • $25,506All other liabilities
  • $25,506Total equity capital
  • $25,506Total bank equity capital
  • $0Perpetual preferred stock
  • $7,323Common stock
  • $3,559Surplus
  • $14,624Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,029Income earned, not collected on loans
  • $633Earning assets
  • $962Long-term assets (5+ years)
  • $294,234Average Assets, year-to-date
  • $110,659Average Assets, quarterly
  • $300,322Volatile liabilities
  • $312,759Insider loans
  • $203,195FHLB advances
  • $311,982Loans and leases held for sale
  • $4,152Unused loan commitments
  • $4,152Tier 1 (core) risk-based capital
  • $24,195Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $55,391Restructured Loans and leases
  • $22,465Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $13,293Total interest income
  • $3,053Total interest expense
  • $10,240Net interest income
  • -$184Provision for loan and lease losses
  • $2,623Total noninterest income
  • $818Fiduciary activities
  • $528Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,277Additional noninterest income
  • $8,844Total noninterest expense
  • $5,164Salaries and employee benefits
  • $1,152Premises and equipment expense
  • $2,528Additional noninterest expense
  • $4,203Pre-tax net operating income
  • $37Securities gains (losses)
  • $1,088Applicable income taxes
  • $3,152Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,152Net income attributable to bank
  • $0Net charge-offs
  • $3,152Cash dividends
  • $8Sale, conversion, retirement of capital stock, net
  • $843Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.72%Yield on earning assets
  • 1.08%Cost of funding earning assets
  • 3.64%Net interest margin
  • 0.93%Noninterest income to earning assets
  • 3.14%Noninterest expense to earning assets
  • 1.04%Net operating income to assets
  • 1.05%Return on assets (ROA)
  • 1.41%Pretax return on assets
  • 13.21%Return on equity (ROE)
  • 9.68%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • -2300.00%Credit loss provision to net charge-offs
  • 502.38%Efficiency ratio
  • 68,755Assets per employee
  • 3.65%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 26.74%Loss allowance to loans
  • 1.94%Loss allowance to noncurrent loans
  • 97.10%Noncurrent assets plus other real estate owned to assets
  • 1.28%Noncurrent loans to loans
  • 2.00%Net loans and leases to deposits
  • 74.42%Net loans and leases to core deposits
  • 80.68%Equity capital to assets
  • 8.13%Core capital (leverage) ratio
  • 7.76%Tier 1 risk-based capital ratio
  • 11.91%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $300,322Average earning assets
  • $23,855Average equity
  • $281,383Average 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
  • $152,472Managed Assets
  • 1Number of Accounts
  • $143,641Personal trust and agency accounts
  • $92,204Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $7,287Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $26,959Other fiduciary accounts
  • $17,191Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 360Number of Accounts
  • $0Personal trust and agency accounts
  • $7,287Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $8,831Other retirement accounts
  • $1,261Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $6,389Fiduciary accounts held in foreign offices

List of branches

  • 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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