Waterman State Bank
Waterman, IL — Non-member Bank
Active
Vitals
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Total Assets38.5M -9.5 %
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Total Deposits32.8M -10.4 %
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Total Net Loans16.4M -13.3 %
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Net Income-837000.0000 -1,207.8 %
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Book Value3.0M -17.6 %
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Book Value x26.0M -17.6 %
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Book Value x39.1M -17.6 %
Balance Sheet Highlights
| Financial Highlights | Waterman State Bank | All Insured Commercial Banks in Illinois |
| Balance Sheet $(000) | ||
| Total Assets | 38,507 | 290,894 |
| Total Net Loans | 16,367 | 191,278 |
| Total Deposits | 32,834 | 246,407 |
| Total Equity | 3,019 | 31,125 |
| Profitability | ||
| Net Income | -837 | 2,670 |
| Return on Average Assets | -2.102 | .919 |
| Return on Average Equity | -24.412 | 8.247 |
| Net Interest Margin | 3.011 | 3.499 |
| Efficiency Ratio | 94.407 | 67.9 |
| Noninterest Income/Revenue | 8.321 | 16.598 |
| Balance Sheet Ratios | ||
| Loan-to-Deposit | 49.848 | 72.669 |
| Securities/Assets | .459 | .191 |
| Total Equity/Total Assets | .078 | .107 |
| Tangible Equity/Tangible Assets | .078 | .103 |
| Capital Adequacy | ||
| Tier 1 Common Capital | 3,270 | 29,670 |
| Tier 1 Capital | 3,270 | 29,720 |
| Tier 2 Capital | 295 | 2,112 |
| Total Capital | 3,565 | 31,905 |
| Total Risk Weighted Assets | 23,273 | 212,461 |
| Leverage Ratio | 8.32 | 10.62 |
| Common Equity Tier 1 Capital Ratio | 14.05 | 16.313 |
| Tier 1 Capital Ratio | 14.05 | 16.329 |
| Total Capital Ratio | 15.32 | 17.341 |
Timeline for Waterman State Bank
Waterman Bancshares, Inc.
Waterman Bancshares, Inc. became a new parent organization for Waterman State Bank.
View Profile Dec 19 1986
Waterman State Bank
Waterman State Bank was established 115 years ago and is currently headquartered in Waterman, IL.
Aug 25 1908| Relationships | Role | Relationship Start | Relationship End |
| Waterman Bancshares, Inc. | Parent | 8/21/1997 | |
| Waterman Bancshares, Inc. | Parent | 12/19/1986 | 8/20/1997 |
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