Doolin Security Savings Bank, FSB

Doolin Security Savings Bank, FSB is headquartered in New Martinsville and is the 60^th largest bank in the state of West Virginia. It is also the 6,557^th largest bank in the nation. It was established in 1906 and as of March of 2012, it had grown to 13 employees at 3 locations. Doolin Security Savings Bank, FSB has a 5-star health rating.

Doolin Security Savings Bank, FSB Routing Number: 243470183

Doolin Security Savings Bank, FSB CD Rates

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Data for Q1 2012

Institution Statistics Doolin Security Savings Bank, FSB OTS # 03764 FDIC Certificate # 29617 BankRate Report View Year Established 1906 Employees 13 Primary Regulator OCC Assets and Liabilities Assets $43.30 million Loans $10.80 million Deposits $36.69 million Equity Capital $6.58 million Loan Loss Allowance $16,000 Unbacked Noncurrent Loans $196,000 Historic Data - March 2011 Assets $40.26 million Equity Capital $6.61 million Loan Loss Allowance $27,000 Unbacked Noncurrent Loans $176,000 Real Estate Owned $878,000 Profit Margin - Quarterly Net Interest Margin 3.04% Return on Assets 0.02% Return on Equity 0.12% Interest Income $341,000

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Doolin Security Savings Bank, FSB had $196,000 in non-current loans and owned real-estate with $6.6 million in equity and loan loss allowances on hand to cover it. This gives Doolin Security Savings Bank, FSB a Texas Ratio of 2.97% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Doolin Security Savings Bank, FSB decreased significantly from 15.88% as of March 31, 2011 to 2.97% as of March 31, 2012, resulting in a positive change of 81.29%.This indicates that the balance sheet and financial strength for Doolin Security Savings Bank, FSB has improved significantly in recent periods. Deposit Growth In the past year, Doolin Security Savings Bank, FSB has increased its total deposits by $3.04 million, resulting in 9.02% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Doolin Security Savings Bank, FSB has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Doolin Security Savings Bank, FSB has $43.3 million in assets with $6.6 million in equity, resulting in a capitalization level of 15.24%, which is excellent.

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