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This institution is no longer active

Operations ceased on February 15, 2013. CRA examination history below reflects the period it was active.

WHITE OAK STATE BANK

WHITE OAK, TX · Supervised by FDIC

Est. 1972FDIC #20,707RSSD: FDIC-20707HENDERSON CITIZENS BANCSHARES
Satisfactory

Current rating · Exam: February 2008

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Institution Profile

FDIC BankFind

Address

1101 South White Oak Road, WHITE OAK, TX

County

Gregg County

Established

June 5, 1972

Total Assets

$97M(latest call report)

Financial Snapshot

As of Q4 2012Call Report / FDIC

Total Assets

$97M

Total Deposits

$78M

Net Loans

$58M

Net Income

$101K

ROA

0.11%

ROE

1.46%

Risk-Based Capital

10.71%

Total Assets — Last 8 Quarters

Total AssetsROA

Current Examination

CRA / FFIEC

Overall Rating

Satisfactory

Exam Date

February 5, 2008

Exam Type

Small Bank

Regulator

FDIC

Rating History

CRA / FFIEC

6 previous ratings locked — dating back to 1990

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Rating Over Time

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OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance
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