Vitals
  • Total Assets
    635.6M 8.2 %
  • Total Deposits
    542.1M 8.4 %
  • Total Net Loans
    392.1M 6.1 %
  • Net Income
    5.8M 5.0 %
  • Book Value
    89.5M 7.1 %
  • Book Value x2
    179.0M 7.1 %
  • Book Value x3
    268.5M 7.1 %
ROAA

.937

ROAE

6.707

Efficiency Ratio

61.925

Net Interest Margin

3.317

Balance Sheet Highlights
Financial Highlights Watertown Savings Bank All Insured Savings Banks in New York
Balance Sheet $(000)
Total Assets 635,649 1,351,752
Total Net Loans 392,149 1,018,087
Total Deposits 542,138 1,024,500
Total Equity 89,493 162,846
Profitability
Net Income 5,829 8,523
Return on Average Assets .937 .459
Return on Average Equity 6.707 3.522
Net Interest Margin 3.317 3.356
Efficiency Ratio 61.925 79.875
Noninterest Income/Revenue 18.792 13.416
Balance Sheet Ratios
Loan-to-Deposit 72.334 92.451
Securities/Assets .206 .086
Total Equity/Total Assets .141 .12
Tangible Equity/Tangible Assets .121 .112
Capital Adequacy
Tier 1 Common Capital 77,584 151,871
Tier 1 Capital 77,584 151,871
Tier 2 Capital 4,309 7,542
Total Capital 81,893 159,397
Total Risk Weighted Assets 462,659 882,895
Leverage Ratio 12.61 12.276
Common Equity Tier 1 Capital Ratio 16.77 19.264
Tier 1 Capital Ratio 16.77 19.264
Total Capital Ratio 17.7 20.219

Timeline for Watertown Savings Bank

Northern New York Bancorp, Inc.

Acquisition: Watertown Savings Bank acquired a new subsidiary, Northern New York Bancorp, Inc. , 15 years

View Profile Jun 14 2008

Wsb Municipal Bank

Wsb Municipal Bank became a new subsidiary organization for Watertown Savings Bank.

View Profile Jun 14 2008

Watertown Savings Bank

Watertown Savings Bank was established 130 years ago and is currently headquartered in Watertown, NY.

Jan 01 1894
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Northern New York Bancorp, Inc. Seller Acquisition Discontinued 6/14/2008
Relationships Role Relationship Start Relationship End
Wsb Municipal Bank Subsidary 6/14/2008
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