Vitals
  • Total Assets
    96.7M -7.7 %
  • Total Deposits
    78.3M -15.0 %
  • Total Net Loans
    58.4M -2.9 %
  • Net Income
    101000.0000 -86.8 %
  • Book Value
    12.0M 121.1 %
  • Book Value x2
    23.9M 121.1 %
  • Book Value x3
    35.9M 121.1 %
ROAA

1.263

ROAE

15.224

Efficiency Ratio

71.387

Net Interest Margin

4.194

Balance Sheet Highlights
Financial Highlights White Oak State Bank All Insured Commercial Banks in Texas
Balance Sheet $(000)
Total Assets 96,706 270,488
Total Net Loans 58,353 140,296
Total Deposits 78,342 233,841
Total Equity 11,970 28,379
Profitability
Net Income 101 2,731
Return on Average Assets 1.263 1.008
Return on Average Equity 15.224 9.334
Net Interest Margin 4.194 3.849
Efficiency Ratio 71.387 70.289
Noninterest Income/Revenue 11.37 15.896
Balance Sheet Ratios
Loan-to-Deposit 74.485 57.321
Securities/Assets .242
Total Equity/Total Assets .124 .105
Tangible Equity/Tangible Assets .058 .101
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 5,653 25,523
Tier 2 Capital — 1,755
Total Capital 5,653 27,342
Total Risk Weighted Assets 52,772 156,339
Leverage Ratio 7.21 10.018
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 10.71 18.348
Total Capital Ratio 10.71 19.445

Timeline for White Oak State Bank

Citizens National Bank

White Oak State Bank was acquired by Citizens National Bank 11 years

View Profile Feb 16 2013

Henderson Citizens Bancshares, Inc.

Henderson Citizens Bancshares, Inc. became a new parent organization for White Oak State Bank.

View Profile Nov 27 2012

First White Oak Bancshares, Inc.

First White Oak Bancshares, Inc. became a new parent organization for White Oak State Bank.

View Profile Nov 26 2012

White Oak Delaware Financial Corporation

White Oak Delaware Financial Corporation became a new parent organization for White Oak State Bank.

View Profile Mar 26 1995

White Oak Bancshares, Inc.

White Oak Bancshares, Inc. became a new parent organization for White Oak State Bank.

View Profile Aug 29 1979

Want to see more?

Complete timeline for White Oak State Bank is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Citizens National Bank Buyer 1,653,290 Pooling of Interests Discontinued 2/16/2013
Relationships Role Relationship Start Relationship End
Henderson Citizens Bancshares, Inc. Parent 11/27/2012 2/15/2013
First White Oak Bancshares, Inc. Parent 11/26/2012 11/26/2012
White Oak Bancshares, Inc. Parent 12/5/2008 11/25/2012
White Oak Delaware Financial Corporation Parent 3/26/1995 12/4/2008
White Oak Bancshares, Inc. Parent 12/31/1980 3/25/1995
White Oak Bancshares, Inc. Parent 8/29/1979 12/30/1980
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