Woodsville Guaranty Savings Bank in Woodsville, New Hampshire (NH)



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Woodsville Guaranty Savings Bank routing number info

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Woodsville Guaranty Savings Bank
GeneralFDIC 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
LocationAddress: 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 SummaryTotal 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)
Total employees (full-time equivalent)121
Total assets$393,016
Cash and due from depository institutions$26,761
Interest-bearing balances$20,997
Securities$41,948
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$299,970
Loan loss allowance $4,549
Trading account assets$0
Bank premises and fixed assets$8,690
Other real estate owned$1,285
Goodwill and other intangibles$55
All other assets$14,307
Life insurance assets$393,016
Total liabilities and capital$359,031
Total liabilities$296,279
Total deposits$266,469
Interest-bearing deposits$296,279
Deposits held in domestic offices$97
% insured (estimated)10869.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$49,553
Other borrowed funds $0
Subordinated debt $2,330
All other liabilities $33,985
Total equity capital$33,985
Total bank equity capital$33,985
Perpetual preferred stock$0
Common stock$194
Surplus$16,392
Undivided profits $17,399
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $118
Income earned, not collected on loans $3,987
Earning assets $0
Long-term assets (5+ years) $1,259
Average Assets, year-to-date $362,915
Average Assets, quarterly $134,188
Volatile liabilities $382,820
Insider loans $384,675
FHLB advances $252,919
Loans and leases held for sale $377,856
Unused loan commitments $2,913
Tier 1 (core) risk-based capital $2,913
Tier 2 risk-based capital $31,194
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $36,376
Derivatives$8,407
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $17,461
Total interest expense $4,582
Net interest income $12,879
Provision for loan and lease losses $2,600
Total noninterest income $2,205
Fiduciary activities $0
Service charges on deposit accounts $914
Trading account gains & fees $0
Additional noninterest income $1,291
Total noninterest expense $11,574
Salaries and employee benefits $6,267
Premises and equipment expense $1,576
Additional noninterest expense $3,731
Pre-tax net operating income $910
Securities gains (losses) $308
Applicable income taxes -$185
Income before extraordinary items $1,403
Extraordinary gains - net $0
Net income attributable to bank $1,403
Net charge-offs $0
Cash dividends $1,403
Sale, conversion, retirement of capital stock, net $628
Net operating income $969
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.95%
Cost of funding earning assets 1.30%
Net interest margin 3.65%
Noninterest income to earning assets 0.63%
Noninterest expense to earning assets 3.28%
Net operating income to assets 0.29%
Return on assets (ROA) 0.37%
Pretax return on assets 0.32%
Return on equity (ROE) 4.22%
Retained earnings to average equity (YTD only) 1.31%
Net charge-offs to loans 0.21%
Credit loss provision to net charge-offs 414.01%
Efficiency ratio5.59%
Assets per employee$76,730
Cash dividends to net income (YTD only)3.25%
Condition Ratios (%)
Loss allowance to loans 69.07%
Loss allowance to noncurrent loans 1.49%
Noncurrent assets plus other real estate owned to assets 114.10%
Noncurrent loans to loans 1.34%
Net loans and leases to deposits1.31%
Net loans and leases to core deposits 101.25%
Equity capital to assets 105.32%
Core capital (leverage) ratio 8.65%
Tier 1 risk-based capital ratio 8.26%
Total risk-based capital ratio 12.33%
Memoranda
Average assets$14
Average earning assets$382,820
Average equity $33,210
Average loans $352,580
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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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