Vitals
  • Total Assets
    43.0M 2.9 %
  • Total Deposits
    37.3M 3.3 %
  • Total Net Loans
    19.8M 3.3 %
  • Net Income
    306000.0000 -2.2 %
  • Book Value
    5.4M 0.3 %
  • Book Value x2
    10.8M 0.3 %
  • Book Value x3
    16.1M 0.3 %
ROAA

.727

ROAE

5.568

Efficiency Ratio

75.415

Net Interest Margin

4.006

Balance Sheet Highlights
Financial Highlights The Waterford Commercial And Savings Bank All Insured Commercial Banks in Ohio
Balance Sheet $(000)
Total Assets 42,965 361,398
Total Net Loans 19,845 246,196
Total Deposits 37,322 299,385
Total Equity 5,383 40,120
Profitability
Net Income 306 3,580
Return on Average Assets .727 .879
Return on Average Equity 5.568 7.888
Net Interest Margin 4.006 3.69
Efficiency Ratio 75.415 68.453
Noninterest Income/Revenue 16.252 19.831
Balance Sheet Ratios
Loan-to-Deposit 53.172 76.786
Securities/Assets .343 .197
Total Equity/Total Assets .125 .111
Tangible Equity/Tangible Assets .125 .102
Capital Adequacy
Tier 1 Common Capital 5,608 37,120
Tier 1 Capital 5,608 37,403
Tier 2 Capital 115 2,742
Total Capital 5,723 40,139
Total Risk Weighted Assets 20,071 260,858
Leverage Ratio 13.18 10.639
Common Equity Tier 1 Capital Ratio 27.94 16.715
Tier 1 Capital Ratio 27.94 16.742
Total Capital Ratio 28.51 17.824

Timeline for The Waterford Commercial And Savings Bank

2012 Waterford Commercial & Savings Bank Shareholders Voting Trust

2012 Waterford Commercial & Savings Bank Shareholders Voting Trust became a new parent organization for The Waterford Commercial And Savings Bank.

View Profile Jan 07 2013

The Waterford Commercial And Savings Bank

The Waterford Commercial And Savings Bank was established 116 years ago and is currently headquartered in Waterford, OH.

Jan 01 1908
Relationships Role Relationship Start Relationship End
2012 Waterford Commercial & Savings Bank Shareholders Voting Trust Parent 1/23/2013
2012 Waterford Commercial & Savings Bank Shareholders Voting Trust Parent 1/7/2013 1/22/2013
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