Woodsfield Savings Bank in Woodsfield, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches


Woodsfield Savings Bank - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 9Total employees (full-time equivalent)
  • $41,091Total assets
  • $11,194Cash and due from depository institutions
  • $10,782Interest-bearing balances
  • $13,704Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $14,925Net loans & leases
  • $78Loan loss allowance
  • $0Trading account assets
  • $554Bank premises and fixed assets
  • $141Other real estate owned
  • $0Goodwill and other intangibles
  • $41,091Life insurance assets
  • $573All other assets
  • $37,616Total liabilities and capital
  • $37,383Total liabilities
  • $32,736Total deposits
  • $37,383Interest-bearing deposits
  • $99Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $233Subordinated debt
  • $3,475All other liabilities
  • $3,475Total equity capital
  • $3,475Total bank equity capital
  • $0Perpetual preferred stock
  • $148Common stock
  • $0Surplus
  • $3,327Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $70Income earned, not collected on loans
  • $0Earning assets
  • $157Long-term assets (5+ years)
  • $39,411Average Assets, year-to-date
  • $24,792Average Assets, quarterly
  • $37,062Volatile liabilities
  • $39,284Insider loans
  • $14,511FHLB advances
  • $37,673Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $3,377Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $535Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,395Total interest income
  • $394Total interest expense
  • $1,001Net interest income
  • $23Provision for loan and lease losses
  • $26Total noninterest income
  • $0Fiduciary activities
  • $13Service charges on deposit accounts
  • $0Trading account gains & fees
  • $13Additional noninterest income
  • $876Total noninterest expense
  • $308Salaries and employee benefits
  • $109Premises and equipment expense
  • $459Additional noninterest expense
  • $128Pre-tax net operating income
  • -$1Securities gains (losses)
  • $14Applicable income taxes
  • $113Income before extraordinary items
  • $0Extraordinary gains - net
  • $113Net income attributable to bank
  • $0Net charge-offs
  • $113Cash dividends
  • $45Sale, conversion, retirement of capital stock, net
  • $64Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.94%Yield on earning assets
  • 1.11%Cost of funding earning assets
  • 2.83%Net interest margin
  • 0.07%Noninterest income to earning assets
  • 2.48%Noninterest expense to earning assets
  • 0.31%Net operating income to assets
  • 0.30%Return on assets (ROA)
  • 0.34%Pretax return on assets
  • 3.36%Return on equity (ROE)
  • 1.46%Retained earnings to average equity (YTD only)
  • 0.30%Net charge-offs to loans
  • 51.11%Credit loss provision to net charge-offs
  • 3.36%Efficiency ratio
  • 85,297Assets per employee
  • 4.57%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 56.64%Loss allowance to loans
  • 0.52%Loss allowance to noncurrent loans
  • 111.43%Noncurrent assets plus other real estate owned to assets
  • 0.51%Noncurrent loans to loans
  • 0.47%Net loans and leases to deposits
  • 39.92%Net loans and leases to core deposits
  • 40.47%Equity capital to assets
  • 8.46%Core capital (leverage) ratio
  • 8.96%Tier 1 risk-based capital ratio
  • 23.27%Total risk-based capital ratio
  • Memoranda
  • $24Average assets
  • $37,062Average earning assets
  • $3,360Average equity
  • $35,391Average loans

List of branches

  • 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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