Woodsfield Savings Bank in Woodsfield, Ohio (OH)

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Woodsfield Savings Bank
GeneralFDIC Certificate #: 32292
Status: Active
Federal Reserve ID: 97279
Date Established: March 12, 1887
WWW: http://www.woodsfieldsavings.com
Trust Powers Granted: No
Bank Charter Class: Savings banks, state charter, supervised by the FDIC
Offices: 1 (Domestic: 1, Interstate: No)
OTS Docket #: 8103
FDIC's unique #: 45126
Numeric code: 41
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
FDIC Insured: Yes
Insured Savings Institution: 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: Other Specialized Lending < 1 Billion
Date of Deposit Insurance: March 26, 1985
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
LocationAddress: 600 Lewisville Road, Woodsfield, OH 43793
County: Monroe
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Columbus
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Central
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $41.1 mil
Equity capital: $3.5 mil
Deposits held in domestic offices: $37.4 mil
Return on assets (ROA): 0.30% ($0.1 mil)
Quarterly return on assets: 0.31% ($0.1 mil)
Return on Equity (ROE): 3.36% ($0.1 mil)
Quarterly return on equity: 3.46% ($0.1 mil)
Net income: $0.1 mil
Quarterly Net income: $0.0 mil
Pretax return on assets: 0.34% ($139.7 mil)
Quarterly Pretax return on assets: 0.39% ($160.3 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)
Total employees (full-time equivalent)9
Total assets$41,091
Cash and due from depository institutions$11,194
Interest-bearing balances$10,782
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$14,925
Loan loss allowance $78
Trading account assets$0
Bank premises and fixed assets$554
Other real estate owned$141
Goodwill and other intangibles$0
All other assets$573
Life insurance assets$41,091
Total liabilities and capital$37,616
Total liabilities$37,383
Total deposits$32,736
Interest-bearing deposits$37,383
Deposits held in domestic offices$99
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $233
All other liabilities $3,475
Total equity capital$3,475
Total bank equity capital$3,475
Perpetual preferred stock$0
Common stock$148
Undivided profits $3,327
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $70
Earning assets $0
Long-term assets (5+ years) $157
Average Assets, year-to-date $39,411
Average Assets, quarterly $24,792
Volatile liabilities $37,062
Insider loans $39,284
FHLB advances $14,511
Loans and leases held for sale $37,673
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $3,377
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $535
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $1,395
Total interest expense $394
Net interest income $1,001
Provision for loan and lease losses $23
Total noninterest income $26
Fiduciary activities $0
Service charges on deposit accounts $13
Trading account gains & fees $0
Additional noninterest income $13
Total noninterest expense $876
Salaries and employee benefits $308
Premises and equipment expense $109
Additional noninterest expense $459
Pre-tax net operating income $128
Securities gains (losses) -$1
Applicable income taxes $14
Income before extraordinary items $113
Extraordinary gains - net $0
Net income attributable to bank $113
Net charge-offs $0
Cash dividends $113
Sale, conversion, retirement of capital stock, net $45
Net operating income $64
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets3.94%
Cost of funding earning assets 1.11%
Net interest margin 2.83%
Noninterest income to earning assets 0.07%
Noninterest expense to earning assets 2.48%
Net operating income to assets 0.31%
Return on assets (ROA) 0.30%
Pretax return on assets 0.34%
Return on equity (ROE) 3.36%
Retained earnings to average equity (YTD only) 1.46%
Net charge-offs to loans 0.30%
Credit loss provision to net charge-offs 51.11%
Efficiency ratio3.36%
Assets per employee$85,297
Cash dividends to net income (YTD only)4.57%
Condition Ratios (%)
Loss allowance to loans 56.64%
Loss allowance to noncurrent loans 0.52%
Noncurrent assets plus other real estate owned to assets 111.43%
Noncurrent loans to loans 0.51%
Net loans and leases to deposits0.47%
Net loans and leases to core deposits 39.92%
Equity capital to assets 40.47%
Core capital (leverage) ratio 8.46%
Tier 1 risk-based capital ratio 8.96%
Total risk-based capital ratio 23.27%
Average assets$24
Average earning assets$37,062
Average equity $3,360
Average loans $35,391
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1 Ohio Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
045126Woodsfield Savings Bank600 Lewisville Road, Woodsfield, OH 43793March 12, 1887Full Service Brick and Mortar
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