Woodsboro Bank in city_name, state_name - Detailed Financial Reports, Location

Woodsboro Bank in Woodsboro, Maryland (MD)
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Woodsboro Bank routing number info

Woodsboro Bank - Overview

General
FDIC Certificate #: 5873
Status: Active
Federal Reserve ID: 406022
Date Established: May 01, 1899
WWW: http://www.woodsborobank.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 7 (Domestic: 7, Interstate: No)
OTS Docket #: 12844
FDIC's unique #: 4011
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: No
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: 5 North Main Street, Woodsboro, MD 21798
County: Frederick
Quarterly Banking Profile Region: New York
FDIC Geographic Region: New York
FDIC Supervisory Region: New York
FDIC Field Office: Baltimore
Office of the Comptroller the Currency (OCC) District: Northeast
Office of Thrift Supervision Region: Southeast
Metropolitan Statistical Area (MSA): Washington, DC-MD-VA-WV (#8840)
Consolidated Metropolitan Statistical Area (CMSA): Washington-Baltimore, DC-MD-VA-WV (#97)
Combined Statistical Area (CSA): Washington-Baltimore-Northern Virginia, DC-MD-VA-WV (#548)
Core Based Statistical Area (CBSA): Washington-Arlington-Alexandria, DC-VA-MD-WV (#47900)
CBSA Metro Statistical Area: Washington-Arlington-Alexandria, DC-VA-MD-WV (#47900)
Core Based Statistical Division: Bethesda-Rockville-Frederick, MD (#13644)
History of Changes
Corrections
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $218.3 mil
Equity capital: $18.9 mil
Deposits held in domestic offices: $183.8 mil
Return on assets (ROA): 0.15% ($0.3 mil)
Quarterly return on assets: 0.18% ($0.4 mil)
Return on Equity (ROE): 1.73% ($0.3 mil)
Quarterly return on equity: 2.10% ($0.4 mil)
Net income: $0.3 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 0.06% ($131.0 mil)
Quarterly Pretax return on assets: -0.31% (-$676.7 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
68Total employees (full-time equivalent)
$218,302Total assets
$38,667Cash and due from depository institutions
$34,134Interest-bearing balances
$30,291Securities
$470Federal funds sold & reverse repurchase agreements
$137,012Net loans & leases
$3,196Loan loss allowance
$0Trading account assets
$4,155Bank premises and fixed assets
$88Other real estate owned
$0Goodwill and other intangibles
$218,302Life insurance assets
$7,619All other assets
$199,414Total liabilities and capital
$183,780Total liabilities
$138,098Total deposits
$183,780Interest-bearing deposits
$95Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$15,000Trading liabilities
$0Other borrowed funds
$634Subordinated debt
$18,888All other liabilities
$18,888Total equity capital
$18,888Total bank equity capital
$0Perpetual preferred stock
$4,108Common stock
$1,484Surplus
$13,296Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$7,950Income earned, not collected on loans
$167Earning assets
$883Long-term assets (5+ years)
$201,907Average Assets, year-to-date
$41,364Average Assets, quarterly
$218,573Volatile liabilities
$217,989Insider loans
$140,882FHLB advances
$217,956Loans and leases held for sale
$3,028Unused loan commitments
$179Tier 1 (core) risk-based capital
$18,024Tier 2 risk-based capital
$2,849Total risk weighted assets
$0Total unused commitments
$14,280Restructured Loans and leases
$301Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$9,385Total interest income
$2,064Total interest expense
$7,321Net interest income
$1,107Provision for loan and lease losses
$1,276Total noninterest income
$0Fiduciary activities
$776Service charges on deposit accounts
$0Trading account gains & fees
$500Additional noninterest income
$7,400Total noninterest expense
$4,292Salaries and employee benefits
$1,324Premises and equipment expense
$1,784Additional noninterest expense
$90Pre-tax net operating income
$35Securities gains (losses)
-$195Applicable income taxes
$320Income before extraordinary items
$0Extraordinary gains - net
$320Net income attributable to bank
$0Net charge-offs
$320Cash dividends
$697Sale, conversion, retirement of capital stock, net
$103Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.64%Yield on earning assets
1.02%Cost of funding earning assets
3.62%Net interest margin
0.63%Noninterest income to earning assets
3.66%Noninterest expense to earning assets
0.13%Net operating income to assets
0.15%Return on assets (ROA)
0.06%Pretax return on assets
1.73%Return on equity (ROE)
1.17%Retained earnings to average equity (YTD only)
0.50%Net charge-offs to loans
158.82%Credit loss provision to net charge-offs
1.72%Efficiency ratio
86,077Assets per employee
3.21%Cash dividends to net income (YTD only)
Condition Ratios (%)
32.19%Loss allowance to loans
2.28%Loss allowance to noncurrent loans
40.20%Noncurrent assets plus other real estate owned to assets
3.68%Noncurrent loans to loans
5.67%Net loans and leases to deposits
74.55%Net loans and leases to core deposits
78.45%Equity capital to assets
8.65%Core capital (leverage) ratio
8.27%Tier 1 risk-based capital ratio
12.79%Total risk-based capital ratio
Memoranda
$14Average assets
$218,573Average earning assets
$18,474Average equity
$202,445Average loans

List of branches

7 Maryland Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	4011	Woodsboro Bank	5 North Main Street, Woodsboro, MD 21798	May 01, 1899	Full Service Brick and Mortar
1	208298	Thurmont Branch	143 Frederick Road, Thurmont, MD 21788	July 01, 1993	Full Service Brick and Mortar
2	208299	Monocacy Village Office	900 East Street, Frederick, MD 21701	June 27, 1997	Full Service Brick and Mortar
3	208300	West Patrick Street Branch	4-6 West Patrick Street, Frederick, MD 21701	September 03, 1999	Full Service Brick and Mortar
4	208301	Frederick Branch	40 West Patrick Street, Frederick, MD 21701	October 25, 1999	Full Service Brick and Mortar
5	360610	Guilford Drive Branch	7360 Guilford Drive, Suite 100, Frederick, MD 21704	June 18, 2001	Full Service Brick and Mortar
6	438897	Homewood At Crumland Farms Branch	Homewood At Crumland Farms, 7407 Willow Road, Frederick, MD 21702	December 06, 2004	Full Service Brick and Mortar

Woodsboro Bank in Woodsboro, Maryland (MD)
Overview, Financial Summary, Detailed Financial Reports, Branches

Woodsboro Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Woodsboro Bank in Woodsboro, Maryland (MD)Overview, Financial Summary, Detailed Financial Reports, Branches

Woodsboro Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Woodsboro Bank in Woodsboro, Maryland (MD)
Overview, Financial Summary, Detailed Financial Reports, Branches