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
No
ID
Name
Address
Established
Service Type
Map
0
45126
Woodsfield Savings Bank
600 Lewisville Road, Woodsfield, OH 43793
March 12, 1887
Full Service Brick and Mortar
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