The Waterford Commercial and Savings Bank in Waterford, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • The Waterford Commercial and Savings Bank in Waterford, Ohio (OH)
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The Waterford Commercial and Savings Bank routing number info

The Waterford Commercial and Savings Bank - Overview

  • General
  • FDIC Certificate #: 8397
    Status: Active
    Federal Reserve ID: 324229
    Date Established: January 01, 1908
    WWW: http://www.waterfordbank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 14267
    FDIC's unique #: 5349
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: Febuary 21, 2009
    Last Structure Change Process Date: Febuary 24, 2009
    Last Data Update: Febuary 24, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 20115 State Route 339, Waterford, OH 45786
    County: Washington
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Columbus
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Parkersburg-Marietta, WV-OH (#6020)
    Core Based Statistical Area (CBSA): Parkersburg-Marietta-Vienna, WV-OH (#37620)
    CBSA Metro Statistical Area: Parkersburg-Marietta-Vienna, WV-OH (#37620)
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $44.6 mil
    Equity capital: $4.5 mil
    Deposits held in domestic offices: $39.8 mil
    Return on assets (ROA): 0.55% ($0.2 mil)
    Quarterly return on assets: 0.51% ($0.2 mil)
    Return on Equity (ROE): 5.41% ($0.3 mil)
    Quarterly return on equity: 5.03% ($0.3 mil)
    Net income: $0.2 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.74% ($329.8 mil)
    Quarterly Pretax return on assets: 0.65% ($289.7 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 16Total employees (full-time equivalent)
  • $44,563Total assets
  • $10,058Cash and due from depository institutions
  • $7,568Interest-bearing balances
  • $7,951Securities
  • $1,786Federal funds sold & reverse repurchase agreements
  • $23,183Net loans & leases
  • $217Loan loss allowance
  • $0Trading account assets
  • $922Bank premises and fixed assets
  • $21Other real estate owned
  • $0Goodwill and other intangibles
  • $44,563Life insurance assets
  • $642All other assets
  • $40,019Total liabilities and capital
  • $39,817Total liabilities
  • $33,196Total deposits
  • $39,817Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $202Subordinated debt
  • $4,544All other liabilities
  • $4,544Total equity capital
  • $4,544Total bank equity capital
  • $0Perpetual preferred stock
  • $50Common stock
  • $475Surplus
  • $4,019Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $176Income earned, not collected on loans
  • $2Earning assets
  • $128Long-term assets (5+ years)
  • $40,488Average Assets, year-to-date
  • $24,738Average Assets, quarterly
  • $43,852Volatile liabilities
  • $45,110Insider loans
  • $20,617FHLB advances
  • $45,054Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $4,447Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,553Restructured Loans and leases
  • $387Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,880Total interest income
  • $407Total interest expense
  • $1,473Net interest income
  • $6Provision for loan and lease losses
  • $329Total noninterest income
  • $0Fiduciary activities
  • $167Service charges on deposit accounts
  • $0Trading account gains & fees
  • $162Additional noninterest income
  • $1,474Total noninterest expense
  • $642Salaries and employee benefits
  • $162Premises and equipment expense
  • $670Additional noninterest expense
  • $322Pre-tax net operating income
  • $1Securities gains (losses)
  • $83Applicable income taxes
  • $240Income before extraordinary items
  • $0Extraordinary gains - net
  • $240Net income attributable to bank
  • $0Net charge-offs
  • $240Cash dividends
  • $19Sale, conversion, retirement of capital stock, net
  • $88Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.73%Yield on earning assets
  • 1.02%Cost of funding earning assets
  • 3.71%Net interest margin
  • 0.83%Noninterest income to earning assets
  • 3.71%Noninterest expense to earning assets
  • 0.55%Net operating income to assets
  • 0.55%Return on assets (ROA)
  • 0.74%Pretax return on assets
  • 5.41%Return on equity (ROE)
  • 3.43%Retained earnings to average equity (YTD only)
  • 0.08%Net charge-offs to loans
  • 31.58%Credit loss provision to net charge-offs
  • 17.26%Efficiency ratio
  • 81,798Assets per employee
  • 2.79%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 36.67%Loss allowance to loans
  • 0.93%Loss allowance to noncurrent loans
  • 123.30%Noncurrent assets plus other real estate owned to assets
  • 0.44%Noncurrent loans to loans
  • 0.75%Net loans and leases to deposits
  • 58.22%Net loans and leases to core deposits
  • 64.06%Equity capital to assets
  • 10.20%Core capital (leverage) ratio
  • 9.87%Tier 1 risk-based capital ratio
  • 21.57%Total risk-based capital ratio
  • Memoranda
  • $23Average assets
  • $43,852Average earning assets
  • $4,435Average equity
  • $39,750Average loans

List of branches

  • 2 Ohio Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    05349The Waterford Commercial And Savings20115 State Route 339, Waterford, OH 45786January 01, 1908Full Service Brick and Mortar
    1456230Crooksville Branch250 West Main Street, Crooksville, OH 43731October 10, 2006Full Service Brick and Mortar

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