Vitals
  • Total Assets
    113.4M 20.6 %
  • Total Deposits
    101.4M 26.9 %
  • Total Net Loans
  • Net Income
    722000.0000 15.2 %
  • Book Value
    9.9M 2.8 %
  • Book Value x2
    19.7M 2.8 %
  • Book Value x3
    29.6M 2.8 %
ROAA

.711

ROAE

7.246

Efficiency Ratio

8.668

Net Interest Margin

1.138

Balance Sheet Highlights
Financial Highlights Wsb Municipal Bank All Insured Commercial Banks in New York
Balance Sheet $(000)
Total Assets 113,352 1,637,033
Total Net Loans — 1,047,955
Total Deposits 101,422 1,296,950
Total Equity 9,867 187,165
Profitability
Net Income 722 13,254
Return on Average Assets .711 .773
Return on Average Equity 7.246 7.506
Net Interest Margin 1.138 3.19
Efficiency Ratio 8.668 65.064
Noninterest Income/Revenue .078 18.239
Balance Sheet Ratios
Loan-to-Deposit — 73.986
Securities/Assets .764 .167
Total Equity/Total Assets .087 .114
Tangible Equity/Tangible Assets .087 .109
Capital Adequacy
Tier 1 Common Capital 10,486 154,500
Tier 1 Capital 10,486 155,066
Tier 2 Capital — 9,750
Total Capital 10,486 168,084
Total Risk Weighted Assets 18,239 1,138,832
Leverage Ratio 10.03 10.188
Common Equity Tier 1 Capital Ratio 57.49 16.458
Tier 1 Capital Ratio 57.49 16.551
Total Capital Ratio 57.49 17.647

Timeline for Wsb Municipal Bank

Watertown Savings Bank

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

View Profile Jun 14 2008

Northern New York Bancorp, Inc.

Northern New York Bancorp, Inc. became a new parent organization for Wsb Municipal Bank.

View Profile May 01 1989

Wsb Municipal Bank

Wsb Municipal Bank was established 111 years ago and is currently headquartered in Watertown, NY.

Apr 24 1913
Relationships Role Relationship Start Relationship End
Watertown Savings Bank Parent 6/14/2008
Northern New York Bancorp, Inc. Parent 5/1/1989 6/13/2008
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