Woodsville Guaranty Savings Bank in Woodsville, New Hampshire (NH)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Woodsville Guaranty Savings Bank in Woodsville, New Hampshire (NH)
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Woodsville Guaranty Savings Bank - Overview

  • General
  • FDIC Certificate #: 18031
    Status: Active
    Federal Reserve ID: 477303
    Bank Holding Company (Regulatory Top Holder): Guaranty Bancorp, Inc. (RSSDID: 2637820, Location: Woodsville, NH)
    Date Established: January 01, 1889
    WWW: http://www.theguarantybank.com
    Trust Powers Granted: No
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 9 (Domestic: 9, Interstate: No)
    OTS Docket #: 10227
    FDIC's unique #: 11960
    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: Commercial Lending Specialization
    Date of Deposit Insurance: July 02, 1959
    Last Structure Change Effective Date: October 31, 2006
    Last Structure Change Process Date: October 31, 2006
    Last Data Update: October 31, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 63 Central Street, Woodsville, NH 3785
    County: Grafton
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: Concord
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
    Combined Statistical Area (CSA): Claremont-Lebanon, NH-VT (#180)
    Core Based Statistical Area (CBSA): Lebanon, NH-VT (#30100)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $393.0 mil
    Equity capital: $34.0 mil
    Deposits held in domestic offices: $296.3 mil
    Return on assets (ROA): 0.37% ($1.5 mil)
    Quarterly return on assets: 0.66% ($2.6 mil)
    Return on Equity (ROE): 4.22% ($1.4 mil)
    Quarterly return on equity: 7.56% ($2.6 mil)
    Net income: $1.4 mil
    Quarterly Net income: $0.6 mil
    Pretax return on assets: 0.32% ($1,257.7 mil)
    Quarterly Pretax return on assets: 0.83% ($3,262.0 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
  • 121Total employees (full-time equivalent)
  • $393,016Total assets
  • $26,761Cash and due from depository institutions
  • $20,997Interest-bearing balances
  • $41,948Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $299,970Net loans & leases
  • $4,549Loan loss allowance
  • $0Trading account assets
  • $8,690Bank premises and fixed assets
  • $1,285Other real estate owned
  • $55Goodwill and other intangibles
  • $393,016Life insurance assets
  • $14,307All other assets
  • $359,031Total liabilities and capital
  • $296,279Total liabilities
  • $266,469Total deposits
  • $296,279Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 10869.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $49,553Trading liabilities
  • $0Other borrowed funds
  • $2,330Subordinated debt
  • $33,985All other liabilities
  • $33,985Total equity capital
  • $33,985Total bank equity capital
  • $0Perpetual preferred stock
  • $194Common stock
  • $16,392Surplus
  • $17,399Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $118Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,987Income earned, not collected on loans
  • $0Earning assets
  • $1,259Long-term assets (5+ years)
  • $362,915Average Assets, year-to-date
  • $134,188Average Assets, quarterly
  • $382,820Volatile liabilities
  • $384,675Insider loans
  • $252,919FHLB advances
  • $377,856Loans and leases held for sale
  • $2,913Unused loan commitments
  • $2,913Tier 1 (core) risk-based capital
  • $31,194Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $36,376Restructured Loans and leases
  • $8,407Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $17,461Total interest income
  • $4,582Total interest expense
  • $12,879Net interest income
  • $2,600Provision for loan and lease losses
  • $2,205Total noninterest income
  • $0Fiduciary activities
  • $914Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,291Additional noninterest income
  • $11,574Total noninterest expense
  • $6,267Salaries and employee benefits
  • $1,576Premises and equipment expense
  • $3,731Additional noninterest expense
  • $910Pre-tax net operating income
  • $308Securities gains (losses)
  • -$185Applicable income taxes
  • $1,403Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,403Net income attributable to bank
  • $0Net charge-offs
  • $1,403Cash dividends
  • $628Sale, conversion, retirement of capital stock, net
  • $969Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.95%Yield on earning assets
  • 1.30%Cost of funding earning assets
  • 3.65%Net interest margin
  • 0.63%Noninterest income to earning assets
  • 3.28%Noninterest expense to earning assets
  • 0.29%Net operating income to assets
  • 0.37%Return on assets (ROA)
  • 0.32%Pretax return on assets
  • 4.22%Return on equity (ROE)
  • 1.31%Retained earnings to average equity (YTD only)
  • 0.21%Net charge-offs to loans
  • 414.01%Credit loss provision to net charge-offs
  • 5.59%Efficiency ratio
  • 76,730Assets per employee
  • 3.25%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 69.07%Loss allowance to loans
  • 1.49%Loss allowance to noncurrent loans
  • 114.10%Noncurrent assets plus other real estate owned to assets
  • 1.34%Noncurrent loans to loans
  • 1.31%Net loans and leases to deposits
  • 101.25%Net loans and leases to core deposits
  • 105.32%Equity capital to assets
  • 8.65%Core capital (leverage) ratio
  • 8.26%Tier 1 risk-based capital ratio
  • 12.33%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $382,820Average earning assets
  • $33,210Average equity
  • $352,580Average loans

List of branches

  • 9 New Hampshire Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    011960Woodsville Guaranty Savings Bank63 Central Street, Woodsville, NH 3785January 01, 1889Full Service Brick and Mortar
    1243608Piermont BranchRiver Road And Route 25, Piermont, NH 3779October 01, 1973Full Service Brick and Mortar
    4243611Lisbon Branch240 Main Street, Lisbon, NH 3585December 11, 1985Full Service Brick and Mortar
    5243612Littleton Branch685 Meadow Street, Littleton, NH 3561August 27, 1990Full Service Brick and Mortar
    6243613Littleton Branch189 Cottage Street, Littleton, NH 3561May 26, 1998Full Service Brick and Mortar
    7243614Lancaster Branch199 Main Street Shaw's Marketplace, Lancaster, NH 3584June 06, 1998Full Service Retail
    8362010Woodsville Branch4901 Dartmouth College Highway, Woodsville, NH 3785June 06, 2001Full Service Retail
    9419756Plymouth Branch7 Town West Road, Tenney Mt. Highway, Plymouth, NH 3264November 15, 2002Full Service Brick and Mortar
    10466304Franconia Branch278 Main Street, Franconia, NH 3580May 30, 2007Full Service Brick and Mortar

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