Woodsville Guaranty Savings Bank

Woodsville Guaranty Savings Bank is headquartered in Woodsville and is the 10^st largest bank in the state of New Hampshire. It is also the 1,751^st largest bank in the nation. It was established in 1889 and as of March of 2012, it had grown to 117 employees at 9 locations. Woodsville Guaranty Savings Bank's savings rates are 44% higher than the national average, and it has a 4-star health rating.

Woodsville Guaranty Savings Bank Checking Account Rates

Woodsville Guaranty Savings Bank Savings Account Rates

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Woodsville Guaranty Savings Bank IRA Rates

Data for Q1 2012

Institution Statistics Woodsville Guaranty Savings Bank FDIC Certificate # 18031 BankRate Report View Year Established 1889 Employees 117 Primary Regulator FDIC Assets and Liabilities Assets $380.18 million Loans $299.89 million Deposits $289.53 million Equity Capital $34.65 million Loan Loss Allowance $4.66 million Unbacked Noncurrent Loans $3.46 million Real Estate Owned $514,000 Historic Data - March 2011 Assets $374.91 million Equity Capital $33.12 million Loan Loss Allowance $2.73 million Unbacked Noncurrent Loans $2.76 million Real Estate Owned $175,000 Profit Margin - Quarterly Net Interest Margin 3.74% Return on Assets 0.75% Return on Equity 8.46% Interest Income $4.36 million

Institution Health Overall Score: 4 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 Woodsville Guaranty Savings Bank had $3.97 million in non-current loans and owned real-estate with $39.31 million in equity and loan loss allowances on hand to cover it. This gives Woodsville Guaranty Savings Bank a Texas Ratio of 10.10% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Woodsville Guaranty Savings Bank held steady from 8.31% as of March 31, 2011 to 10.10% as of March 31, 2012, resulting in a negative change of 21.47%. This indicates that the balance sheet and financial strength for Woodsville Guaranty Savings Bank has held steady in recent periods. Deposit Growth In the past year, Woodsville Guaranty Savings Bank has increased its total deposits by $4.5 million, resulting in 1.58% 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 Woodsville Guaranty Savings Bank has shown is above average. 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. Woodsville Guaranty Savings Bank has $380.18 million in assets with $39.31 million in equity, resulting in a capitalization level of 10.34%, which is above average.

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