Woodsfield Savings Bank
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.8 on a scale of 0 to 10). A current level of 9.2 percent of nonperforming loans to core capital combined with 16.3 percent from a year earlier contributes to the Fair asset quality (4.1).
Other Rating Factors:
Good current capitalization (6.8 on a scale of 0 to 10) based on a risk-based capital ratio of 15.6 and a capital leverage ratio of 8.8. Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.3 has resulted in Weak (2.6) profitability.
Asset Mix:
Home mtgs (42%), securities (18%), consumer loans (10%), comm re (7%), cash (5%), comm loans (4%), home eq lns (2%), other (10%)
States with Branches:
OH
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Investment Rating
--
Address
600 Lewisville Road
Woodsfield, OH 43793
Woodsfield, OH 43793
Phone Number
(740) 472-1641
Year Founded
1887
FDIC Number
Website
Largest Affiliates
No affiliate information available.