# WOODHAVEN BANK
FORT WORTH, TX · FDIC certificate 24551 · asset band $300M-1B · latest filing 2017-03 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $563.4M | |
| Deposits | $461.7M | |
| Loans and leases | $392.7M | |
| Total equity | $90.2M | |
| Loans / deposits | 84.79% (p54 of band) | 83.04% |
| Liquid assets / assets | 20.71% (p37 of band) | |
| Uninsured deposits / deposits | 30.19% (p77 of band) | 20.72% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.87% (p28 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.10% (p49 of band) | 10.16% |
| Unrealized securities loss / equity | -0.12% (p60 of band) | -0.46% |
| AOCI / equity | 0.79% (p80 of band) | |
| ROA (annualized) | 0.90% (p50 of band) | 0.90% |
| Net interest margin | 4.19% (p85 of band) | 3.57% |
| Efficiency ratio | 62.74% (p34 of band) | |
| Noncurrent loans | 0.17% (p18 of band) | 0.63% |
| Net charge-offs (annualized) | 0.02% (p61 of band) | |
| Reserve coverage of noncurrent | 186.02% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 87.19% (p85 of band) | |
| Auto loans | $2.8M (0.71% of loans; DQ 0.64%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 0.4% | |
| Employees | 93 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 1 |  | reserve under noncurrent |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 1 |  | capital falling |
| 2012-03 | 2 | uninsured deposits leaving |  |
| 2012-06 | 2 | deposits shrinking | uninsured deposits leaving |
| 2012-09 | 3 | assets shrinking |  |
| 2012-12 | 1 |  | deposits shrinking, assets shrinking |
| 2013-03 | 1 |  |  |
| 2013-06 | 2 | reserve under noncurrent |  |
| 2013-09 | 1 |  | reserve under noncurrent |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 2 | capital falling |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 1 |  | capital falling |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 2 | NIM <2.5%, reserve under noncurrent | construction >100% equity |
| 2016-03 | 1 |  | NIM <2.5% |
| 2016-06 | 2 | capital falling |  |
| 2016-09 | 1 |  | capital falling |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 | capital falling | reserve under noncurrent |

## In the news (Google News, unfiltered, newest first; check the city)

- 2015-09-24 [Pinnacle Bank to acquire Woodhaven National Bank - The Business Press](https://news.google.com/rss/articles/CBMikAFBVV95cUxPUXFkbXZuVl9VdGJlWHVEZFZTTDlNRWNRbUtJUzFJOHk5LTBIU1hhckR6UlBjQ0NLZkxRbGFDVU16SEg0T096MDFfSVlXVHRQM3M3NDctWnowcEhRTHJ6UVdzRmdBeU5FdTdMaHkwTUZxWF9BMnk5Z2ctdXFrNWg0bGJDbmdzTGZUYjdYU2JQNGM?oc=5) · The Business Press
- 2015-09-25 [Pinnacle Bank is buying Fort Worth's Woodhaven Bank - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNWEIyOUdfM2VybU5nZVE2ZVY5TmpQRVA3cS1Vekc1dlppUWRiSVd5TFM1WV9aUEhqVG52UXRudnN4aTFzOXIwQjN5S2l2OWV0OHBXcEVaSkdTbTZjVFhkeGNGbUJJWnRtRTBXMHoyUnBWMVFNWFI4dVVMdHFNZTBab0tlZlZ5bEFiX3luOER0MTE3MXJqU1UtVUxPOS1xYlA5Q19UMVhVS3VNZw?oc=5) · The Business Journals
- 2016-05-27 [Top 100 Financial Services Pinnacle Bank Texas aims for the top - The Business Press](https://news.google.com/rss/articles/CBMipAFBVV95cUxPRnRRMGR1RU54bTFYREE2aW1kcVZ6b2IwTHhwQnNCVXpGeHRHSHFHd3RycFF5bkhXd2FkNmNkXzZrb0NIbVoyblRqb1E2clFtay1IZm5xVW1MeUFUclg5S29fNjFTNTBpS2RqQlItU05ZUnJ4SUdVVFdRTDJ5VndRUHFFUEhhcHJIb0ZhQzMyeDBVc1hURmRmVDFocllXaE92U2hXTg?oc=5) · The Business Press
- 2010-12-06 [Gunmen rob bank - Wise County Messenger](https://news.google.com/rss/articles/CBMiY0FVX3lxTE1fMjdMcHN2VmswNms2amFycmpkNThrY3ZLMzRoZFlRWXp3eEFOUVJ3OXpiNWQ4Z2JMSWw1SkZYa3g4Si1IV0hkUVZYejJXNXZoSHNLYS1ta0YyU3JwUkdXX1ozRQ?oc=5) · Wise County Messenger
- 2020-06-26 [Elsie Gunter Obituary - Colleyville, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMihAFBVV95cUxNNlVNTHNyejRlWmc0cVdmSms1SFE3Um9xMUVzeU1rTDJMclhpaUhXamhRZTJJbFdrQm53dGVWNk9kdHgyRlJ6clg5SEhYNXU1TDZnUU9sV1ljSXJQQUJpUXd5SHBodTRaV3M5NlBaVW1nTDZQYnFhRVpuRk9RM0g5MElQT3M?oc=5) · Dignity Memorial
- 2014-07-10 [Woman confesses to being "Wig Bandit" and robbing 7 banks - WFAA](https://news.google.com/rss/articles/CBMirgFBVV95cUxPeW9Ic3VwNlpmSDFkOU1iZnpndmF2TDFmRVdHaUtYaWJKRVJIelBfX3ctcVl3Y0pLSE9ua1MwRlQ2aDBYeVV6Xy0yQnpsUjI4cDlTYWZ6NExmbnZhUEhKdklKYlRUMEwwNEktU2tCTWp6d0pyTWl4ZEJxSW9hNi1JN25wZjZ1R1c0Wkg5REpOWXJ2akpHN1ctUFVrRjB5d1FFZTVJT2s1Rkx3MWs4bnc?oc=5) · WFAA
- 2014-07-30 [Wig bandit indicted on bank holdup charge - Fort Worth Star-Telegram](https://news.google.com/rss/articles/CBMidEFVX3lxTE91X0hHcGg5cHlPN25IaUl0V25mNmltYjVlR0FTWkdrYnhfZVB0Z3JVM0Q4TGYxZlIwTXdCdmZxQU9CVEYwVXZCT1ZfSGRVU01XOHFzYlNyMkVZM3hPaHR5aWtOR0VaTjl5TUNoVzlhQ3dnaXp50gF0QVVfeXFMTlQ0T1Zsc215Z2ZMLXZiYkZERkY2bzJXSDNwMU5BX3BEQ1J0U2dLc0wzSl90TUJrNHg0MGhCdlR5MXBWellCOXVrWnF5b0w0d1RwQTRYYjdrd0xjTTQ1ZWQ1c2lKV2V1WFJWVjc4UDdXSXdCX0o?oc=5) · Fort Worth Star-Telegram
- 2012-12-02 [Arlington Teen Struggling With West Nile Virus - NBC 5 Dallas-Fort Worth](https://news.google.com/rss/articles/CBMikwFBVV95cUxQMUJMYjZTNHhvNGtZRTlxMVVTRHhRdkh2N0xYMzZfZ1E0MWtUWTJMTE15X3FRVUFuTEtJZ3lpZUNLTV96VUNGc00xOG5pVXVsckRHRGFJYlNXemVpRU4zVi1PWHQtaFE5a1hLM3l0VjVKaG9FMmYxOGZaMG5qWTlNSjdFM0NmbF9BeUhjOFVUVjFxU3fSAZsBQVVfeXFMTnk1dmtmblp5dVl5VHBpMEoxZzlHZVh1bUh5MEM5bGRDeDJoTEdCSEdRM0tqd3Q4a2NYZVVCdjFhWjFsd3VjVFpqb1FwRnZ3bGtfYUFDRWRUX01aV01rYXBEcFZuUFlySnJlUXZCLWVKYXItelBVbXFkR3JFN01CUVRGSld6THQtaHNsVWNUWjdnWTdMY2U2Yld4eUk?oc=5) · NBC 5 Dallas-Fort Worth

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=24551 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/39.json (key "24551", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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