| Weiss Ratings |
Waterman Bank
Waterman, IL |
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| Rating | ||||
| Asset Quality Index | 4.70 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 2.50 | |||
| Profitability Index | 1.90 | |||
| Stability Index | 7.70 | |||
| Company Info |
Waterman Bank
Waterman, IL |
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| FDIC Number | 10878 | |||
| Phone Number | (815) 264-3201 | |||
| Website | watermanbank.com | |||
| Asset Quality |
Waterman Bank
Waterman, IL |
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| 1-Year Asset Growth | 7.12% | |||
| 5-Year Asset Growth | 34.73% | |||
| 5-Year Charge-Offs to Average Loans | -0.01% | |||
| Charge-Offs to Average Loans | 0.28% | |||
| Non-Performing Assets to Assets | 0.33% | |||
| Non-Performing Loans to Capital | 11.32% | |||
| Non-Performing Loans to Loans | 0.47% | |||
| Balance Sheet |
Waterman Bank
Waterman, IL |
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| Total Assets | 166.87M | |||
| Total Deposits | 138.12M | |||
| Capital and Reserves |
Waterman Bank
Waterman, IL |
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| Capital | 25.39M | |||
| Leverage Ratio | 13.39 | |||
| Loan Loss Reserves to Loans | 0.53% | |||
| Risk-Based Capital Ratio | 19.86 | |||
| Liquidity |
Waterman Bank
Waterman, IL |
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| Hot Money Ratio | 14.19% | |||
| Liquidity Ratio | 22.52% | |||
| Profitability |
Waterman Bank
Waterman, IL |
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| 5-Year Return on Average Assets | 1.29% | |||
| Net Income | 811.00K | |||
| Net Interest Spread | 4.91% | |||
| Operating Profit to Average Assets | 0.71% | |||
| Overhead Efficiency Ratio | 84.82% | |||
| Return on Assets | 0.50% | |||
| Return on Equity | 3.26% | |||