Vitals
  • Total Assets
    1.1B 2.0 %
  • Total Deposits
    1.0B 1.6 %
  • Total Net Loans
    553.7M 2.0 %
  • Net Income
    3.1M -20.6 %
  • Book Value
    109.5M 0.9 %
  • Book Value x2
    219.0M 0.9 %
  • Book Value x3
    328.4M 0.9 %
ROAA

.275

ROAE

2.807

Efficiency Ratio

85.285

Net Interest Margin

2.656

Balance Sheet Highlights
Financial Highlights Watertown Savings Bank All Insured Commercial Banks in Massachusetts
Balance Sheet $(000)
Total Assets 1,146,615 1,195,734
Total Net Loans 553,707 884,564
Total Deposits 1,013,293 973,316
Total Equity 109,480 117,275
Profitability
Net Income 3,101 8,869
Return on Average Assets .275 .594
Return on Average Equity 2.807 5.855
Net Interest Margin 2.656 3.257
Efficiency Ratio 85.285 73.516
Noninterest Income/Revenue 10.692 17.101
Balance Sheet Ratios
Loan-to-Deposit 54.644 91.006
Securities/Assets .402 .127
Total Equity/Total Assets .095 .098
Tangible Equity/Tangible Assets .095 .09
Capital Adequacy
Tier 1 Common Capital 115,083 108,595
Tier 1 Capital 115,083 108,997
Tier 2 Capital 3,212 9,379
Total Capital 118,295 118,886
Total Risk Weighted Assets 515,077 863,428
Leverage Ratio 10.06 10.038
Common Equity Tier 1 Capital Ratio 22.34 14.848
Tier 1 Capital Ratio 22.34 14.854
Total Capital Ratio 22.97 15.826

Timeline for Watertown Savings Bank

Watertown Four, Inc.

Watertown Four, Inc. became a new subsidiary organization for Watertown Savings Bank.

View Profile Feb 28 2012

Watertown Three, Inc.

Watertown Three, Inc. became a new subsidiary organization for Watertown Savings Bank.

View Profile Jun 17 2011

Watertown Savings Bank

Watertown Savings Bank was established 154 years ago and is currently headquartered in Watertown, MA.

Apr 18 1870
Relationships Role Relationship Start Relationship End
Watertown Three, Inc. Subsidary 6/17/2011
Watertown Four, Inc. Subsidary 2/28/2012
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