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 (5.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.1 has resulted in Fair (4.9) profitability.
Other Rating Factors:
Good current capitalization (6.6 on a scale of 0 to 10) based on a risk-based capital ratio of 15.5 and a capital leverage ratio of 8.6. A current level of 7.3 percent of nonperforming loans to core capital combined with 5.3 percent from a year earlier contributes to the Good asset quality (5.3).
Asset Mix:
Home mtgs (43%), securities (18%), consumer loans (9%), comm re (8%), cash (6%), comm loans (5%), home eq lns (2%), other (9%)
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
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Address
600 Lewisville Road
Woodsfield, OH 43793
Woodsfield, OH 43793
Phone Number
(740) 472-1641
Year Founded
1887
FDIC Number
Website
Largest Affiliates
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