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October 6, 2017



Corporate Communications
Federal Home Loan Bank of Dallas
(214) 441-8445

Smith County Homeowner Replaces Roof with Help of Grant

FHLB Dallas and Southside Bank Award More than $3K for Improvements

Dorothy_Woods_1_WEB.jpgTYLER, TEXAS (October 6, 2017) — Dorothy Woods, 76, knew her home's roof leaked, but the Smith County native couldn't afford to have it replaced. Disabled and living on a fixed income, Ms. Woods said she felt blessed when told a new roof was going to be installed. It was paid for by a $3,312 Special Needs Assistance Program (SNAP) grant from the Federal Home Loan Bank of Dallas (FHLB Dallas) and Southside Bank, an FHLB Dallas member institution.

Southside Bank teamed up with Habitat for Humanity of Smith County to facilitate the repairs of Ms. Woods' home, where she has lived for 40 years.

"I've known about the grants for a while," Ms. Woods said. "But you just learn to do without until you can do better."

Awarded on a first-come, first-served basis, SNAP grants provide funding for the repair and rehabilitation of owner-occupied housing of eligible, special-needs individuals.

"We have a responsibility to help better the lives of those located in our community," said Brooke Mott, Vice President and CRA officer at Southside Bank. "FHLB Dallas helps us do that with programs like SNAP and others. We value our partnership with FHLB Dallas and Habitat for Humanity of Smith County to work together and provide for those in need."

Ms. Woods, a retired caregiver and mother of five adult children, has lived in Tyler for 52 years.

"I always kept babies while the mothers went to work," she said. "When I kept my granddaughter, that was the last one, and now she's working, so that was a while ago!"

Since SNAP's inception in 2009, more than $11.6 million has been awarded in grants through FHLB Dallas member institutions to assist more than 2,300 families across FHLB Dallas' five-state District of Arkansas, Louisiana, Mississippi, New Mexico and Texas. The $1.5 million in 2017 SNAP funding, made available in January on a first-come, first-served basis, has been exhausted.

"Critical home repairs are out of financial reach for so many elderly or disabled individuals," said Greg Hettrick, first vice president and director of Community Investment at FHLB Dallas. "The SNAP program helps to fill the gap between qualified homeowners' repair requirements and the funding available to meet those needs."

To learn more about SNAP, visit

About Southside Bank

Southside Bancshares, Inc., the holding company for Southside Bank, is headquartered in Tyler, Texas. With approximately $5.6 billion in assets, Southside Bank operates 57 banking facilities in East, North and Central Texas. The bank also operates a network of 71 local ATMs/ITMs, and is affiliated with more than 55,000 foreign ATMs worldwide.

Established in 1960, Southside Bank is a community-focused financial institution that offers a full range of financial services to individuals, businesses and nonprofit organizations. These services include: consumer and commercial loans; mortgages; loans to municipalities; personal, small business and commercial deposit accounts; safe deposit boxes; business services; credit cards; ATMs; trust and wealth management; brokerage services; and an array of online and mobile services.

About the Federal Home Loan Bank of Dallas

The Federal Home Loan Bank of Dallas is one of 11 district banks in the FHLBank System created by Congress in 1932. FHLB Dallas, with total assets of $62.9 billion as of June 30, 2017, is a member-owned cooperative that supports housing and community investment by providing competitively priced loans and other credit products to approximately 850 members and associated institutions in Arkansas, Louisiana, Mississippi, New Mexico and Texas. For more information, visit